Protecting Your Automotive Business

Your dealership, repair shop, or service garage needs insurance that understands the specifics of the automotive industry. At ArcLight Insurance, our Garage and Dealers Insurance policies provide comprehensive protection tailored to secure your business from the unique risks you face daily.

What is Garage and Dealers Insurance?

Garage and Dealers Insurance is a specialized coverage designed for automotive businesses, including dealerships, repair shops, and storage facilities. This policy provides essential protections that address the unique risks associated with handling, selling, and servicing vehicles.

Why Do You Need Garage and Dealers Insurance?

Operating in the automotive industry comes with unique risks, from potential damages during test drives to liability for customer vehicles in your care. Garage and Dealers Insurance helps protect your business from financial loss due to accidents, theft, property damage, or customer claims. With comprehensive coverage, you can confidently handle daily operations, knowing you’re protected against common industry risks.

What Does Garage and Dealers Insurance Cover?

  • Garage Liability: Covers bodily injury or property damage arising from business operations, including customer injuries on your premises and liability during vehicle test drives.
  • Garagekeepers Liability: Protects customer vehicles left in your care, such as those in for repairs, service, or storage, from potential damages due to fire, theft, vandalism, or extreme weather.
  • Dealers Open Lot: Provides coverage for dealership-owned vehicles, protecting your inventory against physical damage, such as collision, hail, and theft.
  • Property and Equipment: Offers protection for your business property, including buildings, tools, and equipment necessary for daily operations.
  • Errors and Omissions: Shields your business from claims of financial loss due to professional errors, such as mistakes in vehicle sales paperwork or repairs.

Types of Automotive Businesses Covered

ArcLight’s policies are flexible enough to serve a variety of businesses, including car dealerships, repair shops, specialty auto services, and vehicle storage facilities.

Frequently Asked Questions

Q: Is Garagekeepers Liability mandatory for automotive businesses?
A: While not legally required, Garagekeepers Liability is highly recommended as it protects you financially if a customer’s vehicle is damaged while under your care.

Q: What’s the difference between Garage Liability and General Liability?
A: General Liability covers basic business liability risks, while Garage Liability includes protections specific to automotive businesses, such as liability during test drives or auto-related services.

Q: Does this policy cover all employees driving customer vehicles?
A: Yes, as long as the employees are performing authorized tasks for your business, Garage and Dealers Insurance typically covers liability for employees driving customer or dealership-owned vehicles.

Q: How much does Garage and Dealers Insurance cost?
A: The cost of a Garage and Dealers policy depends on factors such as business size, inventory value, coverage options, and location. ArcLight works with you to assess your needs and provide affordable, comprehensive options.

Why Choose ArcLight for Garage and Dealers Insurance?

At ArcLight Insurance, we understand the automotive industry’s nuances and risks. Our tailored Garage and Dealers Insurance solutions ensure you receive the comprehensive protection your business requires, backed by a team of knowledgeable agents ready to assist you with any questions and claims.