What We Cover
Auto repair shops, body shops, and used car dealerships face a unique set of risks that standard business insurance simply doesn’t cover. When customers trust you with their vehicles, you need garagekeepers coverage. When you’re test-driving inventory, you need dealers open lot. And when a customer claims your repair caused further damage, you need garage liability that actually responds.
Collin County Insurance Group has deep access to the garage and auto dealer specialty market — carriers who understand your business and won’t hit you with exclusions that leave you exposed.
Who Needs Garage Insurance
If your business involves servicing, storing, or selling vehicles, you need specialized garage coverage. A customer’s car catches fire on your lift — who pays? A test driver wrecks a used car on your lot — who’s covered? A mechanic’s repair fails and the customer blames you for engine damage — where does that claim go? Standard business insurance leaves these gaps wide open. We insure:
- Auto body and collision shops — including paint and refinishing operations
- General repair and mechanic shops — all types of vehicle service
- Oil change and lube shops — quick service operations
- Used car dealerships — non-franchise independent lots
- Motorcycle, ATV, and powersports dealers — specialty vehicle sales
- Auto detailing operations — including mobile detailers
- Heavy truck and equipment repair — commercial vehicle service
- Tire shops and auto glass — specialty auto service
- Auto storage and impound lots — vehicle holding facilities
- Parking lots and garages — commercial parking operations
- Valet parking services — hired and non-owned auto exposure
- RV sales and service — recreational vehicle dealers
What We Cover
Garage Liability is the foundation of any auto service business insurance program. It combines general liability and auto liability into a single policy designed for businesses that work on or with vehicles. This covers bodily injury and property damage arising from your garage operations.
Garagekeepers Coverage protects your customers’ vehicles while they’re in your care, custody, and control — whether in your shop, on your lot, or being test-driven. Without this, you’re personally liable for every vehicle parked on your property.
Dealers Open Lot covers your vehicle inventory against physical damage from fire, theft, hail, vandalism, and collision. Essential for any dealership that keeps inventory on a lot.
Commercial Property covers your building, shop equipment, tools, lifts, paint booths, and business contents.
Workers Compensation covers your mechanics, technicians, and staff for on-the-job injuries. Auto service workers face cuts, burns, chemical exposure, and heavy lifting injuries regularly.
Environmental / Pollution Liability covers cleanup costs and third-party claims from oil, solvent, or chemical spills at your shop. Many standard policies exclude pollution events entirely, leaving garage owners exposed to EPA and TCEQ enforcement actions.
Industries We Serve
We have specialty access through Combined Group and Johnson & Johnson MGA for garage niches that many agents struggle to place:
- Shops with prior claims history
- High-performance and custom shops (4x4, off-road, racing)
- Dealerships with floor plan financing
- Multi-location operations
- Farm equipment sales and service
- Auto auctions
Why Choose Collin County Insurance Group
Garage insurance is a specialty market — most main-street agents don’t write enough of it to know which carriers have the best appetite and pricing. We work with Atlantic Casualty, Combined Group, and Johnson & Johnson MGA markets that specialize exclusively in garage risks. That means competitive pricing, broader coverage, and faster quotes.
How We Work
We start with your specific operation — type of service, number of bays or lot spaces, annual revenue, number of vehicles in your care, and claims history. Then we shop the specialty garage market and present your options side by side. Most clients have quotes within 48 hours and certificates in hand the same day they bind coverage.
Ready to protect your garage or dealership? Contact us for a free quote today.