Auto Repair & Dealership Insurance

Specialized coverage for mechanics, body shops, service centers, and auto dealers across Florida.

Industry Risks

The risks auto businesses face

Holding customer vehicles, operating heavy equipment, and employing skilled technicians creates a unique set of risks. These are the claims that hit auto businesses hardest.

Risk 01

Damage to customer vehicles

A vehicle damaged during a test drive, broken into on your lot, or scratched by a falling tool — customer vehicle damage is the most frequent claim for auto businesses. Garagekeepers liability is the coverage designed specifically for this exposure.

Risk 02

Faulty repair claims

If a customer claims your repair work caused an accident or further vehicle damage, you can face a lawsuit even when you followed proper procedures. E&O coverage protects against these claims and covers legal defense costs whether the claim is valid or not.

Risk 03

Technician injuries

Auto repair is physically demanding and chemically hazardous. Technicians work under heavy vehicles, handle toxic fluids, and operate powerful equipment daily. Workers' Compensation isn't just a legal requirement in Florida — it's essential protection for your team and your business.

What We Cover

The core coverage for auto businesses — covers bodily injury and property damage claims arising from your operations, including test drives and customer vehicle handling.

Covers damage to customer vehicles while in your care, custody, or control — whether from fire, theft, vandalism, or accidents on your lot.

Covers your facility, shop equipment, lifts, tools, and inventory against fire, theft, storm damage, and other covered losses.

Covers your technicians and staff for on-the-job injuries — cuts, burns, falls, and chemical exposure. Required in Florida once you have employees.

For dealerships — covers your vehicle inventory on the lot against hail, fire, flood, theft, and vandalism. Protects your entire inventory in one policy.

Covers claims arising from faulty repairs or service errors — protecting you if a customer claims your work caused vehicle damage or an accident.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What is garage liability and why do I need it?

Garage liability is the foundation of any auto business insurance policy. It covers bodily injury and property damage claims arising from your business operations — including accidents during test drives, customer slip-and-falls on your lot, and damage caused while moving customer vehicles. Standard GL policies aren't designed for this exposure.

What's the difference between garage liability and garagekeepers?

Garage liability covers your operations and third-party claims. Garagekeepers covers damage to customer vehicles while they're in your possession — from fire, theft, vandalism, or accidents on your property. You need both. One without the other leaves a significant gap in your coverage.

Does my policy cover vehicles on my dealer lot?

Only if you have dealer open lot coverage — also called inventory insurance. This covers your vehicle inventory against hail, fire, flood, theft, and vandalism. The value of vehicles on a dealer lot can be substantial, and a single storm or break-in without this coverage can be catastrophic.

Am I covered if a customer claims my repair caused an accident?

Not under standard GL or garage liability — you need Errors & Omissions (E&O) or professional liability coverage for that. If a customer alleges your repair work was faulty and caused injury or vehicle damage, E&O covers your legal defense and any resulting settlement.

How much does auto repair shop insurance cost in Florida?

Rates depend on your shop size, number of employees, annual revenue, vehicle storage capacity, and claims history. A small independent mechanic and a multi-bay dealership will have very different needs and rates. We shop multiple carriers to find the right package at the most competitive price for your operation.