Garage Owners Policy

The garage and auto services business is vulnerable to exposures common to all operations in addition to having unique risks that need additional protection. At A.D. Martin Commercial Insurance, we specialize in providing garages with insurance solutions that address each of your exposures – from general liability risks as a result of trips and falls on your premises, to damage to a customer’s vehicle as a result of an error during repair work, and much more.

Our Garage Owner’s policy is designed to protect your business and put your mind at ease. Similar to our standard Business Owners Policy, the Garage Owners policy is designed to take into account the specific needs of a garage business, including providing:

  • Property insurance: covers damage to the building and the contents of the building.
  • Garagekeeper’s Liability: covers damages that arise out of a mistake made in the garage’s repairs. For example, it would cover the garagekeeper in the event that a customer’s brakes that your garage repaired a week earlier fail, causing a collision.
  • Garagekeeper’s Comprehensive: covers vehicles in the garage’s care, custody and control. If the garage catches fire, this policy would cover the garage owner for damage to the customers’ cars inside.
  • Garagekeeper’s Collision: covers damage to customers’ cars that result from a collision while a garage employee is driving the car, such as during a test drive.

At A.D. Martin we can bundle the different types of coverages you need under one master policy, which makes purchasing insurance simpler and less costly for you. With all of these types of coverage bundled into one policy, you can rest assured that you won’t be closing your doors as a result of a natural disaster or an employee mistake.

What’s more, we have the knowledge, training and experience to help you determine if you qualify for a garage owner’s policy and how much coverage you need to keep your business safe.

Find out about our high-gear insurance for your Garage operation.

A.D. Martin provides business insurance throughout the counties of Atlantic, Cape May, Gloucester, Salem, Cumberland, Camden and Burlington in New Jersey; New Castle County in Delaware; and Chester, Philadelphia and Delaware Counties in Pennsylvania. Allow us to review your insurance program at no obligation, and to provide you with solutions designed to safeguard your business against liability.