Insurance Tailored for Auto Shops & Dealerships

From liability claims to customer vehicle protection, Garage Insurance keeps your business covered.

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Business Insurance

Protect your company

Commercial Auto

Company vehicles covered

Trucking

Fleet & cargo risks

Cyber

Data & cyber threat cover

Commercial Property Insurance

Buildings & inventory

General Liability

Slip, trip & fall protection

Professional Liability / E&O

Coverage for services

Malpractice Insurance

Healthcare liability

Sport Insurance

Teams, leagues & events

Workers Compensation

Employee injury coverage

Business Owner's Policy (BOP)

Bundle coverage

Liquor Liability

Alcohol-related claims

Commercial Umbrella

Extra liability layer

Garage Insurance

Shops & dealers

Event Insurance

Conferences & gatherings

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 →

Tech

For startups and tech companies to market, sell, and grow faster.

Read More →

Transportation & Logistics

Manage fleets, shipments, and customers with ease.

Read More →

Don’t see your industry? We probably cover it. Ask us

Garage Insurance That Works for You

Protect your repair shop, dealership, or service center with coverage designed for the unique risks of the garage business.

Cover Customer Vehicles Protect Your Business Assets Tailored Plans for Garages
Get My Garage Insurance Quote

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

Real answers. Straight talk. Insurance made simple.

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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OnePoint Insurance Resources Find answers to your insurance questions, insights into current trends,

and tools for navigating life in our resource center.

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Client Tools

File A Claim

Start the process of reporting an insurance claim.

Update My Policy Info

Modify contact, coverage, or account details.

Upload Document

Send us necessary documents securely online.

Policy Review Request

Request a full review of your current policy.

Schedule A Call

Book a call with your insurance advisor.

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

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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.

CONTACT INFORMATION

555 NorthPoint Center E, Alpharetta, GA 30022

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Servicing Families and Business in:

Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.