Business Insurance
Protect your company
Insurance Tailored for Auto Shops & Dealerships
From liability claims to customer vehicle protection, Garage Insurance keeps your business covered.
We serve families & businesses in
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Why Garage Insurance is Essential
Auto businesses face unique risks: customer vehicle damage, liability during repairs, accidents during test drives. Standard business policies don’t cover these. Garage Insurance fills that gap, ensuring your shop doesn’t take the financial hit
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
What's Covered: Garage Insurance
Protection built for repair shops, body shops, dealers, and service stations—covering customer cars, your operations, your people, and your lot.
Garage Liability
Slip‑and‑fall, test drives, and operations.
Garagekeepers (Customers’ Autos)
Damage to customer vehicles in your care.
Dealers Open Lot
Inventory on the lot & in transit.
False Pretense
Trick, scheme, or title scams.
On‑Hook Towing
Customer cars while being towed.
Dealer E&O
Title, odometer & paperwork errors.
Tools & Equipment
Owned & employee tools, lifts, scanners.
Business Property & Income
Buildings, contents & downtime.
Workers’ Compensation
Employee injuries & lost wages.
Business Auto
Service trucks, parts runs & loaners.
Garage Pollution
Oil, coolant & cleanup events.
Cyber & Data Breach
DMS/POS attacks & privacy claims.
Who Needs Garage Insurance
Auto Repair Shops
Shops providing mechanical repairs, diagnostics, and maintenance for vehicles.
Car Dealerships
Franchise and independent dealers with inventory and customer test drives.
Body & Paint Shops
Collision centers, custom paint, and auto body repair facilities.
Service Stations
Gas stations with on-site repair bays or service operations.
Parking & Valet Services
Valet companies, parking garages, and vehicle storage facilities.
Towing & Recovery
Towing businesses and roadside assistance providers handling customer vehicles.
Detailing & Car Wash
Auto detailing shops and full-service car wash businesses.
Fleet & Storage Operators
Businesses storing or maintaining vehicles for clients or commercial use.
Don't see Your Business?
OnePoint covers additional business types not listed
Learn More About Business Insurance
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
Learn with OnePoint
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Protect Your Garage. Protect Your Future.
Get a policy that’s built around your business needs and budget.
Garage Insurance Frequently Asked Questions
What’s the difference between Garage Liability and Garagekeepers coverage?
Garage Liability covers injuries or property damage caused by your operations (like a slip-and-fall or a tech’s test drive). Garagekeepers covers physical damage to customers’ vehicles while they’re in your care.
Do I need Dealers Open Lot if I already have Garagekeepers?
Yes. Garagekeepers is for customers’ autos, while Dealers Open Lot is for inventory vehicles you own for sale. Most dealerships carry both.
Does Garage Insurance cover my mechanics’ personal tools?
Not automatically. You can add “Employee Tools” coverage to protect owned or borrowed tools against theft, fire, or mysterious disappearance.
Am I covered if a customer sues me over a paperwork error?
That’s where Dealer Errors & Omissions comes in. It protects against mistakes with titles, odometer statements, financing disclosures, and more.
Do I really need Cyber coverage for my shop?
If you take card payments, store customer info, or use a Dealer Management System, yes. Cyber policies help cover breach response, legal costs, and customer notifications.
What if my shop has to close after a fire or storm?
Business Income coverage helps replace lost revenue and pay ongoing expenses during downtime, so you can reopen without going under.
Coverage Area Map
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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555 NorthPoint Center E, Alpharetta, GA 30022
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