- South Carolina
If your business repairs, sells, or services vehicles, you face risks that a standard liability policy doesn’t fully cover. In fact, General Liability usually excludes auto operations because they’re considered high risk. Garage Liability Insurance is liability coverage built specifically for the automotive industry as it protects your repair shop, dealership, service station, or detailing business when your operations cause injury to a customer or damage to someone else’s property. For example, if a customer slips in your shop, or an employee crashes a car during a test drive, this coverage helps pay for medical bills, damages, and legal defense. At Omega Insurance, we understand how your business operates and compare carriers to find coverage that fits your operation and your budget. Get your free quote today.
Helps cover medical bills and legal costs if a customer or visitor is injured because of your business operations.
Covers damage your business causes to someone else’s property during your operations, except customers’ vehicles in your care, which usually require a separate coverage called Garagekeepers.
Protects against claims when an employee causes an accident while driving a vehicle in the course of business.
Helps pay for attorneys, court costs, and settlements related to covered claims.
Depending on the policy, it can cover third-party claims for damage related to work your business has completed.
It’s designed for the risks specific to repair shops, dealerships, service stations, and auto service businesses, which a general policy doesn’t treat the same way.
If you own an auto repair shop, a dealership, a service station, a detailing business, or any operation that works with customers’ vehicles, this coverage is almost always necessary. One important point many owners confuse is that Garage Liability covers the injuries and third-party damage your operations cause, but it does not cover damage to a customer’s vehicle while it’s in your care. That’s what Garagekeepers is for, a separate coverage that many businesses carry alongside this one. At Omega, we explain your options, compare carriers, and help you find coverage that aligns with your business, your risks, and your budget.
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We help you find Garage Liability coverage that protects your auto business against third-party claims. Our team reviews options across trusted carriers to find protection that fits your type of business, your operations, and your budget.
It’s liability coverage built specifically for automotive businesses, such as repair shops, dealerships, and service stations. It protects your business when your operations cause injury to a customer or damage to a third party’s property, helping cover medical bills, damages, and legal defense.
Garage Liability covers the injuries and third-party damage your operations cause. Garagekeepers is different as it covers damage, theft, or vandalism to a customer’s vehicle while it’s in your care, custody, or control. They complement each other, and many auto businesses need both. At Omega, we help you see what fits you.
Usually, no. Garage Liability covers third-party damage from your operations, but not the customer’s vehicle in your care. That protection comes from Garagekeepers. At Omega, we review your operation to make sure there are no gaps between the two coverages.
Often, no. General Liability typically excludes auto operations because they’re considered high risk, so it leaves gaps that a shop can’t afford. Auto businesses have specific exposures, such as test drives, work on vehicles, and constant movement of cars, that Garage Liability is built to handle. At Omega, we explain what coverage you need for your business.
The cost depends on your type of business, your operations, the number of employees, your location, your history, and your coverage limits. A dealership carries a different risk than a small shop. As an independent agency, Omega compares options across carriers to fit your operation and your budget.
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