Commercial Auto – Non-Dealer’s Garage Liability

Kinsale’s Commercial Auto Division offers Non-Dealer’s Garage Liability and Garagekeepers coverage, which target businesses servicing vehicles left in their custody.

Our team of underwriters can offer creative and practical solutions for many of your hard-to-insure Garage Liability accounts, including those with poor loss history, gaps in coverage, or high-hazard operations.


  • Alarm installation and repairs
  • Automotive glass replacement and glass tinting
  • Automotive oil changes and lubrication
  • Body and 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
  • Heavy truck service
  • Mobile auto detailing
  • Mobile mechanic and roadside assistance
  • Valet parking operations

Minimum Premium:

  • $1,500


  • Starting at $500
  • Separate deductibles for “Covered Autos,” “Other Than Covered Autos,” and Garagekeepers

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

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