Describe the work you do
Tell us what happens at your premises and how vehicles move in your work, including test drives. Your Spot team asks who drives them.
Maple Street Co.Organized by Spot
Garage Liability Insurance Quotes
Get garage liability insurance quotes with Spot
Describe your shop, test drives and the customer cars you hold, and your Spot team prepares the submission brokers use to quote your garage program.
Get quotes from garage liability insurance providers
- Shop work, test drives and drivers described once
- Customer-vehicle protection compared separately from liability
- Keep your broker or switch, with no commissions on premiums
How it works
Count the customer cars you hold
We note how many customer vehicles you keep at each location and what they are worth, because that sets the garagekeepers limits you need.
Garage liability insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to request proposals from insurers that write garages, and follow up on their questions.
# spot-support
AlexMaple Street Co.
What do we need to request garage liability insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare liability and customer-car terms
See which vehicles, drivers and uses each quote covers, and whether garagekeepers protection depends on your legal liability or is direct.
Insurance documents
Quote requestGarage liability insurance
Coverage limits · Policy terms
Maple Street Co.
What you’ll need
- 01
Services at your premises
Repair, service and related work you do.
- 02
Test drives and vehicle use
How vehicles are driven in your work, so the quote includes that use.
- 03
Drivers
Employees and others who drive vehicles in your care.
- 04
Customer vehicles on hand
The number and value of customer cars you might hold at each location, including overnight.
- 05
Locations
Every premises where you work on or store vehicles.
- 06
Sales or payroll
Annual figures insurers use to rate the liability part.
- 07
Current coverage and losses
Your expiring policy and claims history.
What affects your price
- 01
The work you do
Different kinds of garage operations carry different exposure.
- 02
Customer vehicles held
More cars, and more valuable ones, raise the garagekeepers cost.
- 03
Drivers and test drives
More drivers and more road use add risk.
- 04
Limits and deductibles
Higher limits cost more, and a higher deductible can lower the premium.
- 05
Basis of customer-vehicle protection
Direct coverage can be priced differently from coverage that depends on your legal liability.
Common questions
Does garage liability pay for a customer’s car damaged in my shop?
That is garagekeepers coverage, which we compare separately from liability for injury and property damage.
What does direct coverage mean?
Some options depend on your legal liability and a direct-coverage option may work differently. We show which basis each quote uses.
Are test drives covered?
Only if the quote covers that vehicle, driver and use. Describe test drives on the application so the broker finds terms that fit.
Can my current broker handle my garage program?
Yes. Spot works alongside brokers and takes no commissions on premiums. Switch brokers only if you want to.
Related
Get insurance off your to-do list.
Describe your shop, test drives and the customer cars you hold, and your Spot team prepares the submission brokers use to quote your garage program.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
