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Garage Liability Insurance in Indiana

Indiana dealer license applications require liability insurance covering the established place of business, with minimum limits of $100,000/$300,000/$50,000; membership in a state-regulated risk retention group is an allowed alternative. A transport operator’s certificate must also specify the number of transport-plate sets, which makes the plate schedule a concrete part of the quote. 1,2

What Is Garage Liability?

Garage liability can address injury and property-damage claims from auto repair and related garage operations. If you run a repair or service shop, check separately whether customer cars in your care need garagekeepers coverage for vehicle damage. Read the national Garage liability guide.

Indiana Requirements

RequirementDetails
Dealer established-place liability$100,000 one person / $300,000 per accident / $50,000 property damage; regulated risk-retention group membership is an alternative 1

What to Watch for in Indiana

  • Name the Established Place

    Indiana’s application proof must cover the dealer’s established place of business. If your repair bays, customer parking, storage yard, or additional lot is at another address, ask whether it needs a separate license and how the insurer wants it scheduled. 1

  • Count Transport-Plate Sets

    Indiana requires a transport operator’s certificate to specify the number of transport-plate sets requested or approved. The state defines this class to include businesses furnishing drive-away or tow-away transport, and businesses preparing and delivering newly purchased vehicles to their base locations; give the broker the plate count and both types of work. 2

  • Avoid a License-Period Gap

    Indiana requires the minimum-limit policy throughout the license period and says the dealer license will be suspended during a lapse. Coordinate renewals and replacement certificates before the old policy expires, and ask how a disputed or delayed cancellation notice is handled. 1

  • Quote Customer Vehicles Separately

    Indiana’s regulator describes liability covering the established business place but does not say that this statutory filing includes customer cars in your care. List repair, towing, overnight parking, and test drives and ask the broker what the contract says for each. 1,2

Who Regulates Insurance in Indiana

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker. 6,7,8,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Indiana

  1. Does the Indiana certificate identify our established place and reflect each location where we repair, store, or stage vehicles?
  2. How many transport-plate sets are shown, and does our work include either Indiana transport-operator activity?
  3. What policy terms address customer vehicles in our custody during repair, towing, overnight parking, or road testing?

Garage Liability in Indiana: FAQ

What insurance limits does Indiana require for a licensed motor vehicle dealer? 1

The Indiana Secretary of State lists $100,000 for bodily injury to one person, $300,000 per accident, and $50,000 property damage. Membership in a risk retention group regulated by the Indiana Department of Insurance may be provided instead of liability insurance. 1

What must an Indiana transport operator’s insurance certificate include? 2

It must specify the number of transport-plate sets the operator is seeking or is approved to use. 2

Can an Indiana dealer keep operating during a gap in required insurance? 1

The Secretary of State says the dealer license will be suspended during any lapse in the required coverage. 1

Garage Liability in Other States

Other Coverage in Indiana

Sources

  1. Auto Dealer Services Division: Insurance Requirements. Indiana Secretary of State; Established-place liability, limits, alternative risk retention group, continuous coverage, lapse suspension. Accessed 2026-09-28.
  2. Auto Dealer Services Division: Transport Operators. Indiana Secretary of State; License class definitions and required certificate of insurance/transport plate sets. Accessed 2026-09-28.
  3. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  4. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  5. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  6. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  7. Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
  8. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  9. Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  16. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  17. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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