Non-Dealer’s Garage Liability

Kinsale offers Non-Dealer’s Garage Liability and Garagekeepers coverage. Our Non-Dealer’s Garage Liability targets businesses that service automobiles and vehicles left in their custody. Our Garage Liability team of underwriters can offer creative and practical solutions for many of your hard-to-insure Garage Liability accounts.

Target Classes:

  • Automotive glass replacement and glass tinting
  • Automotive oil changes and lubrication shops
  • Body shops
  • Full-service gas stations
  • Full-service car wash and car detailing
  • General automotive repair and service garages
  • Mobile auto detailing
  • Parking and storage garages
  • Valet parking on insured’s premises

Avoided Classes:

  • Automobile and motorcycle fabrication
  • Body or frame conversion
  • Bus repair
  • Rental or leasing of automobiles or trailers
  • Repair or servicing of tractor trucks or tractor trailers
  • Tow truck or repossession operations
  • Used tire dealers or tire repair

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 Garage-Keepers
  • Coverage for hired automobiles available

Submission Requirements:

  • ACORD Commercial Insurance application and Garage Liability application with a complete description of operations (signed and dated by the Insured when bound)
  • Supplemental application, where appropriate (signed and dated by the Insured when bound)
  • Five-year currently valued company loss runs with a description provided for losses over $25,000
  • Website information