Park Your Trust in Our Garage (Coverage)

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Garage Insurance

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Garage Dealers Insurance

Whether you sell ATVs, used cars or something with even more horsepower, if you’re in the market for garage insurance, the team at National Indemnity Company is eager to assist you.

Dealers Eligible for Garage Coverages include:

  • Used Car Dealers
    Non-franchised dealers whose primary sales are private passenger autos or light trucks.
  • Truck & Tractor Dealers
    Non-franchised dealers who sell used trucks and tractors.
  • Motor Home Dealers
    Franchised or non-franchised dealers whose sales are motor homes.
  • Trailer Dealers
    Franchised or non-franchised dealers whose primary sales are trailers. These trailers include trailers used for trucking purposes and camper style "5th wheel" trailers.
  • Motorcycle/ATV Dealers
    Franchised or non-franchised dealers who sell motorcycles, snowmobiles, all-terrain vehicles, golf carts, etc.

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto, up to the policy limits you choose.
  • Physical Damage
    Physical Damage coverage pays for damages to covered vehicles. You may purchase this coverage for scheduled vehicles or for vehicles held for sale at your location, commonly referred to as Dealers Open Lot.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle or for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
  • Garagekeepers
    Garagekeepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

Garage Service & Repair Shops Insurance

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We understand your customers rely on your expertise. We specialize in writing garage coverages for a large number of service & repair businesses.

Service & Repair Operations Eligible for Garage Coverage Include:

  • Service Shops
    Examples: Car washes, detailing shops, body shops
  • Repair Operations
    Examples: Truck repair, tractor repair, motor home repair, auto repair, motorcycle repair, mobile repair operations
  • Towing & Wrecker Services
    Examples: Tow trucks, impound lots

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto, up to the policy limits you choose.
  • Physical Damage
    Physical Damage coverage pays for damages to covered vehicles. You may purchase this coverage for scheduled vehicles or for vehicles held for sale at your location, commonly referred to as Dealers Open Lot.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle or for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
  • Garagekeepers
    Garagekeepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

National Indemnity group of insurance companies


National Indemnity Company
National Fire & Marine Insurance Company
National Indemnity Company of Mid-America
National Liability & Fire Insurance Company
National Indemnity Company of the South
Columbia Insurance Company