U.S. Risk Insurance Group, Inc. offers a specialized Garage Liability Insurance program designed for both dealer and non-dealer operations. This program helps agents and brokers place comprehensive liability solutions for clients in automotive sales, service and storage—especially accounts with complex exposures or new ventures that need flexible underwriting.
Ideal Accounts and Appetite
The U.S. Risk Garage Liability program has broad appetite across dealer and non-dealer classes. Typical dealer classes include:
- Used Car Dealers – Retail & Wholesale
- Used Truck Dealers
- Used Motorcycle Dealers
- Used RV Dealers
- New ventures welcome
Common non-dealer classes include:
- Auto repair shops
- Body and collision shops
- Tire sales and installation
- Heavy truck repair
- Motorcycle repair shops
- Valet parking services
- Other related garage operations — submit for underwriting review
This program is a good fit when clients need garage-specific protections—liability for auto operations, garagekeepers, dealer errors & omissions, and coverages for customers’ vehicles on premises or in transit.
Coverage Highlights and Advantages
U.S. Risk’s Garage Liability program bundles coverages that address the typical exposures of dealers and service shops. Key features include:
- Primary Garage Liability limits up to $1M / $3M
- Medical payments and PIP where applicable
- Uninsured/Underinsured Motorist coverage
- Non-owned auto liability for employees driving customer vehicles
- Dealer’s Errors & Omissions Liability
- Dealer’s Open Lot coverage and False Pretense protection
- Garagekeepers liability for customer vehicles in care, custody or control
Optional coverages available include Property and Workers’ Compensation—allowing you to bundle a broader insurance package for your insureds.
Underwriting Notes and Minimum Premiums
U.S. Risk provides responsive underwriting with most quotes returned within 24 hours when the submission is complete. The program supports new ventures and smaller operations; the minimum premium starts at $1,000. Underwriting is flexible and considers the full submission—loss history, operations, controls, and safeguards are important factors.
Territories and Availability
This program is available in AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Admitted paper is available in some states and carrier options vary by jurisdiction. Other states may be considered on a submission-by-submission basis—contact underwriting to confirm availability for a specific risk.
Why Work With U.S. Risk?
As a Managing General Underwriter, U.S. Risk combines deep garage and automotive market expertise with access to multiple carrier options. Agents benefit from:
- Specialized underwriting that understands garage exposures
- Competitive coverage forms tailored to dealer and repair operations
- Fast turnaround to help close business quickly
- Ability to package liability with property and workers’ comp when needed
Call U.S. Risk today to discuss Garage Liability accounts—or visit our company profile for more programs and market options.
Frequently Asked Questions
What types of accounts are a good fit for this Garage Liability program?
This program is well suited for used car, truck, motorcycle and RV dealers, as well as repair shops, body shops, tire retailers and valet services. New ventures and niche garage operations are considered with a complete submission.
Is this program available in my state?
Availability includes AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Admitted paper is available in some states; other states may be eligible on a case-by-case basis—check with underwriting.
What is the minimum premium for this program?
Minimum premium starts at $1,000, which makes the program accessible to smaller dealers and start-ups.
Are additional coverages like Workers Comp or Property available?
Yes. Property and Workers’ Compensation can be offered alongside garage liability to create a more complete package for your client.
How quickly can I expect a quote?
Most quotes are delivered within 24 hours, depending on the completeness and complexity of the submission.
Need help placing an account? Connect with a market specialist.