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Stoermer Insurance Brokers
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Stoermer Insurance Brokers
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Garage Liability Insurance

GARAGE LIABILITY coverage available in Ohio, Kentucky, and Indiana
 
Stoermer Insurance Brokers has been a trusted resource for independent agents in Ohio, Kentucky, and Indiana for over 30 years. As an experienced Excess & Surplus Lines Broker, we specialize in placing Garage Liability Insurance for a wide range of automotive-related businesses through our strong network of carrier partners.
 

Ideal Accounts and Appetite

This program is designed for agents working with clients in the automotive sector who need comprehensive liability and property protection. Target accounts include:
  • Franchised and independent auto dealers
  • Auto repair shops, service stations, and body shops
  • Detailing businesses and car washes
  • Towing and storage operations (with garage exposures)
Whether you're quoting a single-location used car lot or a multi-location repair chain, we can help you find solid coverage solutions.

Coverage Highlights and Advantages

Our Garage Liability program offers broad and flexible options to meet the needs of your insureds. Key coverages include:
  • Garage Liability: $1,000,000 / $1,000,000 / $2,000,000*
  • Garagekeepers Legal Liability: $500,000 per location* / $50,000 per auto*
  • Dealers Physical Damage: $500,000 per location* / $50,000 per auto*
  • Auto Medical Payments: $5,000
  • Premises Medical Payments: $5,000
  • Uninsured / Underinsured Motorists: $1,000,000
  • Personal Injury Liability: $1,000,000
  • PIP – No-Fault (where available): Basic Limits
  • Fire Legal Liability: $100,000*
  • In-Transit Coverage: $50,000 per auto / 2 autos per truck
  • Premium Authority: $25,000
  • Property Coverage: $250,000 TIV per policy
  • Total Insured Value (GKL, PD, Property): $500,000 per location*
Higher limits (up to $1,000,000 per location) may be available for Garagekeepers or Dealers Physical Damage, depending on underwriting.

Underwriting Notes and Minimum Premiums

Minimum premiums vary based on the risk profile, location, and coverage limits requested. Our underwriters are experienced in evaluating unique garage operations and will work with you to tailor a quote that fits your client’s needs. We represent several carrier markets, giving us flexibility across a variety of risk types.

Territories and Availability

This program is currently available to agents with risks located in:
  • Ohio (OH)
  • Kentucky (KY)
  • Indiana (IN)
Some coverage options may be admitted in certain states; others are written on a non-admitted basis, depending on the carrier and class of business.

Why Work With Stoermer Insurance Brokers?

As a long-standing insurance broker and wholesaler based in Ohio, Stoermer Insurance Brokers brings three decades of hands-on experience in the garage insurance space. We make it easy for retail agents to access competitive markets, efficient underwriting, and responsive service. Our goal is to help you place tough-to-write garage risks with confidence.
 
If you have a need for a Garage Liability quote, give Stoermer Insurance Brokers a try—we’re ready to help you succeed.

Frequently Asked Questions

What types of accounts are a good fit for this Garage Liability program?

We typically write auto dealers (franchise or independent), repair shops, body shops, towing operations, and service garages with on-premises auto exposures.

Is this coverage available on an admitted basis?

Some states may offer admitted options through our carrier partners, but many risks are written on a non-admitted basis depending on the class and coverage needs.

What coverage limits are available for Garagekeepers and Dealers Physical Damage?

Standard limits are $500,000 per location and $50,000 per auto, with higher limits up to $1,000,000 available based on underwriting approval.

What states is this program available in?

This program is currently offered in Ohio, Kentucky, and Indiana.

How quickly can I get a quote?

Turnaround time depends on the completeness of the submission, but our team works efficiently to provide quick responses for qualified risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Varies
  • Min Premium:
    Varies

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Stoermer Insurance Brokers has other insurance programs like Apartment Insurance.