Non-Dealer’s Garage Liability

Our underwriting team has a wealth of experience providing Non-Dealer’s Garage Liability solutions for hard-to-insure businesses.

With Aspera, you will receive a customized underwriting process to deliver competitive solutions fast.

We deliver a quote within 48 hours for 75% of the submissions we receive!

Non-Dealer’s Garage Liability

Target Classes

  • Alarm installation and repairs
  • Automotive glass replacement and glass tinting
  • Automotive oil changes and lubrication shops
  • Body & paint shops
  • Construction & farm equipment service
  • Dry-docked boat services
  • Full-service car wash and car detailing
  • Gas station with repair operations
  • General automotive repair and service
  • Mobile auto detailing
  • Mobile mechanic and roadside assistance
  • Valet parking on insured’s premises

Policy Structure

  • Full Garage Liability for non-dealer service and repair operations with Garagekeepers coverages
  • Occurrence basis of coverage
  • Employee Benefits Liability
  • Stop Gap Liability
  • Minimum premiums starting at $1,500
  • Deductibles starting at $500 for “Covered Autos,” “Other Than Covered Autos,” and Garagekeepers


You can get coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance application
  • Garage Liability application with a complete description of operations
  • Supplemental application where appropriate, signed and dated by the insured when bound
  • Five-year currently-valued loss runs with a description provided for losses over $25,000
  • Website information
Send a Submission
Printable Non-Dealer’s Garage Liability Information
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Austin Cheatham, Associate Underwriter
(804) 774-2105
Chris Hinchcliff, Associate Underwriter
(804) 774-2114