Mechanics and Dealerships
Drive your business forward
with the right protection
At Gifford Carr, we understand that the automotive industry is built on precision and hard work. Whether you’re running a dealership or managing a repair shop, our insurance solutions are designed to protect your operations from the risks you face. Let us take care of your coverage so you can focus on doing what you do best.
What Insurance is Required for Mechanics and Dealerships?
Insurance for mechanics and dealerships is designed specifically for businesses that service and sell vehicles. From liability claims to vehicle damage and equipment breakdowns, this insurance provides essential protection to help your business run smoothly. Backed by brokers who share your passion for the industry, we’ll help you find coverage that meets your needs.
Types of coverage
Running an automotive business comes with all kinds of risks. We offer specialized policies to help protect your operation, including, but not limited to:
- General liability
- Garage auto liability
- Pollution liability
- Hoist liability
- Employers liability
- Property – which may include; building, contents, equipment, stock, tenant’s improvements and betterments, tenant’s legal liability
- Employees tools
- Business interruption
- Equipment breakdown
- Cyber
- Commercial vehicle
Get the coverage you need.
Ensure your garage or dealership is protected with the right insurance. Contact us to find out how our tailored solutions can meet the needs of your business.
Frequently asked questions
Find answers to common questions about mechanic and dealership insurance.
What does hoist collision coverage include?
Hoist collision coverage protects against accidental damage caused by hydraulic or mechanical hoists. This is often included in garage auto liability policies—our brokers can confirm if it’s already part of your plan or if additional coverage is needed.
How do I know what coverage my shop needs?
Every shop is different. Our brokers will assess your property, tools, and operations to recommend coverage that fits your business. We also encourage appraisals to ensure your policy matches the value of your assets in case of a loss.
Does this insurance include coverage for tow trucks?
We work with insurers who specialize in tow truck coverage. Underwriting considerations include driving and CVOR records, experience, and loss history. Our brokers will work with you to find the best coverage for your operation.
Have more questions?
Contact us for more information.