Our Garage Insurance program is specifically designed to meet the needs of today’s car, boat, off-road vehicle and farm implement dealers and repair shops.

Your customers trust you for quick and quality service - when it’s time for you to make important insurance decisions, shouldn’t you expect the same from your insurance agent?

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business – find your local independent agent representing Auto-Owners today!

Waiting room with cars on the computer

Dealer's Blanket Reporting Form

Receive unlimited coverage, if you report your dealership inventory each month. This information can be submitted online using our Customer Center.

Boat on a trailer next to a building

More Than Just Cars

We offer garage coverage for dealerships and repair shops of motorcycles, boats, off-road vehicles, farm implements and RVs.

Car in a garage being worked on

Save With Multi-Policy Discounts

Save money when you choose Auto-Owners for your business, personal and life insurance!

Common Coverages

Garage Liability

Provides coverage for incidents resulting from your business operations, such as customer slip and falls, damage to others’ property, use of vehicles in your garage business and more.

Inland Marine

Offers a variety of coverages that protect your property while away from your primary location including tools, employee tools, laptops, and machinery and equipment.

Dealer's Blanket

Covers physical damage to your vehicles, watercraft and equipment.


Covers physical damage to customers’ vehicles in your possession for repair.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying garage liability policy.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Tools & Equipment

You depend on them to get the job done, make sure your tools and equipment are protected.

Additional Coverages

Mechanics E&O

Covers damage caused by faulty parts or work done by you or your employees.

Garagekeepers Actual Loss Sustained

Provides unlimited coverage for customers’ vehicles, if they are damaged while in your possession for repair.

False Pretense

Protects your dealership from certain types of fraud or theft.  For example, theft during a test drive or acquiring a vehicle without legal title.

Drive Other Cars Coverage

Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.

Protection and Indemnity for Boat Repair

Provides liability coverage while operating a watercraft.

Ways to Save

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

Dispersion Credit

If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent