Industries
Insurance for Automotive Businesses
Auto businesses hold the one thing standard liability policies refuse to cover: other people's vehicles, in your care, every day. That is why this industry runs on its own policy forms, garage liability and garagekeepers, and why generalist policies leave gaps.
BrokerPro insures repair shops, body shops, detailers, used dealers, and towing operations across Arizona.
Common risks
Where automotive claims come from:
- Damage to customer vehicles in your care, custody, and control
- Test drive accidents
- Faulty repair allegations after the vehicle leaves
- Customer injuries on premises
- Employee injuries around lifts, tools, and vehicles
- Theft and weather damage to vehicles on open lots
Recommended coverage
An automotive program typically includes:
Garage liability
the industry's version of GL, built around auto operations
Garagekeepers
customer vehicles in your care; direct primary forms keep customers whole
Dealers open lot
physical damage on inventory for dealers
Workers compensation
shop injuries are frequent and expensive
Property / equipment
lifts, diagnostics, and the building or lease
What landlords, clients, and contracts commonly require
- Arizona dealer licenses require specific coverage and bonds
- Towing contracts with motor clubs and municipalities set liability and on-hook requirements
- Automotive property landlords commonly require garagekeepers proof
Common questions
What's the difference between garage liability and general liability?
Garage liability is built for businesses whose operations revolve around autos; it merges premises liability with auto-related operations including test drives. A standard GL policy is not designed for that and can leave gaps. Auto businesses should be on garage forms.
A customer's car was damaged by hail on my lot. Who pays?
It depends on your garagekeepers coverage basis. Direct primary coverage pays for the covered damage without a fault fight. Legal liability coverage only pays if you were negligent, and a hailstorm is nobody's fault. This is why we usually walk clients through the direct primary option.
Do mobile detailers need the same coverage as a shop?
The core exposures overlap: customer vehicles in your control and liability for your work. Add commercial auto for your rig and equipment coverage for your gear. The package is lighter than a shop's but the garagekeepers question is the same.
Insurance built around how automotive businesses actually work
Send us the basics. We'll ask the right questions and come back with options.