Garage & Garagekeepers Insurance for Auto Dealers and Repair Shops
Businesses that sell, service, or store vehicles face complex risks that go beyond standard liability. Garage insurance is designed to protect auto-related businesses from lawsuits, property damage, and losses to customer vehicles. Without proper coverage, a single accident could threaten your business and your reputation.
In New York, New Jersey, and Connecticut, state laws and customer expectations make garage insurance essential. Refine Risk provides comprehensive solutions for dealerships, repair shops, and valet services across the Tri-State area.
Who Needs Garage Insurance?
Garage insurance applies to a wide range of auto businesses, including:
- Auto repair shops and service centers
- New and used car dealerships
- Valet parking services
- Auto body and detailing shops
- Tow truck operators and storage yards
- Quick lube and specialty service centers
If your business services, stores, or sells vehicles, garage insurance provides critical protection against financial loss.
What Garage Insurance Covers
Refine Risk builds policies with layered protection to match your operations:
- Garage Liability Insurance – Covers injuries or property damage that occur on your premises or during operations.
- Garagekeepers Insurance – Protects customer vehicles while they are in your care, custody, or control.
- Business Property Insurance – Coverage for tools, equipment, lifts, computers, and buildings.
- Commercial Auto Insurance – Protection for dealer plates, service vehicles, and tow trucks.
- Workers’ Compensation – Required in NY, NJ, and CT for employee injury coverage.
- Business Interruption Insurance – Protects income if your operations are halted by a covered loss such as fire or storm.
- Environmental Liability Coverage – For spills, leaks, or hazardous waste exposure, especially important for repair shops.
Common Claims for Auto Related Businesses
- A customer’s car is stolen from your lot overnight.
- A mechanic test-drives a vehicle and causes an accident.
- A valet attendant damages a high-value car.
- An employee is injured while repairing a vehicle.
- A fire damages your service bays and customer cars inside.
- A storm destroys vehicles on a dealer lot.
Each of these events can create lawsuits, lost income, and reputational damage. With garage insurance, your business has the financial protection to withstand the unexpected.
Garage Liability vs. Garagekeepers Insurance
These terms are often confused, but they cover different risks:
- Garage Liability: Protects against accidents that happen during business operations, such as customer injuries on your property.
- Garagekeepers Insurance: Protects customer vehicles in your care, custody, or control, including theft, fire, vandalism, or collision.
Most businesses need both to stay fully protected.
Serving the Tri-State Auto Community
Refine Risk protects auto-related businesses across New York, New Jersey, and Connecticut. We work with dealerships, repair shops, valet services, and towing operators in:
- New York City and all boroughs
- Westchester, Rockland, and Long Island
- New Jersey including Bergen, Essex, and Morris Counties
- Connecticut including Fairfield and New Haven Counties
Our advisors understand the regulatory environment and operational risks unique to the Tri-State market. We design coverage that aligns with compliance standards, local business requirements, and real-world exposures.
Why Work with Refine Risk
- Access to carriers specializing in auto-related risks
- Tailored coverage for dealerships, repair shops, valet services, and towing companies
- Annual reviews to adjust coverage for inventory changes, staffing, or expansion
- Local expertise in NY, NJ, and CT compliance standards
- Ongoing advisory support for claims, audits, and inspections
We deliver local expertise backed by the largest insurance companies in the country.
How to Get Started
- Schedule a consultation with a Refine Risk advisor
- Review your operations, services, and exposure
- Receive tailored quotes from multiple carriers
- Select coverage that protects your business, employees, and customers’ vehicles
Protect your dealership, repair shop, or valet service with coverage built for garage operations. Request a consultation today with Refine Risk to structure the right protection for your business.
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