If you have a company in the auto industry, such as an auto dealership or auto repair shop, then you should consider auto garage insurance.  This is because  general liability insurance may not be enough to cover all of the needs required for an auto-orientated business.

What Is Auto Garage Insurance?

As mentioned, auto garage insurance, also known as garage liability insurance, is insurance specifically for companies in the auto industry.  Those companies that sell or service cars in some way; whether it is an auto dealership or auto body repair shop.  Essentially, while auto garage insurance falls under the umbrella of commercial insurance, it is more segmented and niche, allowing for specific coverage.

When Do You Need Auto Garage Insurance?

Consider, for example, some of the exclusions involved in general liability insurance.  While general liability covers any bodily injury and property damage that may occur in the duration of repair or creation (such as a custom auto job), what about the finished product?  If you rebuild a transmission and it ends up exploding, harming a customer – then you may not be covered.

This is why insurance itself is so nuanced.  Another example would be property coverage. If you own tools, if there is  a lot of equipment in the facility, and so forth -  then Garage Keeper’s insurance is another viable need.

The point is to be protected!  Benchmark Broker excels at understanding what needs each industry has and what insurance will meet those needs.