Commercial Insurance
Garage & Auto Dealer Insurance in Indiana
From independent repair shops to full dealerships — we find coverage built for the unique risks of the automotive industry.
Get a QuoteWho We Cover
Auto dealerships (new and used), independent repair shops, body shops, transmission shops, tire and alignment centers, quick-lube operations, detail shops, towing companies, and full-service garages operating in Indiana.
Why Specialized Coverage Matters
Standard business insurance doesn't account for the liability of having customers' vehicles in your care, custody, and control. A car damaged during a test drive, a repair gone wrong, or a vehicle stolen from your lot — these are exposures unique to the automotive industry. We work with carriers that specialize in garage risks and understand how your business actually operates.
Coverages We Place
- Garage Liability Insurance
- Garagekeepers Legal Liability (customer vehicles in your care)
- Dealers Open Lot (inventory coverage)
- Commercial Property Insurance
- Commercial Auto / Dealer Plates
- Workers' Compensation Insurance
- Business Owners Policy (BOP)
- Umbrella / Excess Liability
- Employment Practices Liability (EPLI)
- Cyber Liability Insurance
Common Questions
What's the difference between garage liability and garagekeepers coverage?
Garage liability covers your operations — injuries on your property, completed work claims, and advertising liability. Garagekeepers covers physical damage to customers' vehicles while they're in your care. Most shops need both.
Do I need special coverage for test drives?
Yes. A standard auto policy won't cover a customer's accident during a test drive. Dealer liability covers this exposure, and it's required by most lenders if you're floor-planning inventory.
Can you cover a mixed dealership that also does repairs?
Absolutely. We place coverage for dealerships that sell vehicles and operate a service department — combining dealer, garage, and property coverage into one comprehensive program.
Ready to Get Covered?
Tell us about your business and we'll find the right coverage at the right price.
Start a QuoteOr call (317) 800-6201Independent Agency
As an independent agency, we're not tied to any single carrier. We shop multiple markets to find coverage that fits your specific business.
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