What is Florida Garage Liability Insurance?

Garage liability insurance in Florida protects auto-related businesses such as repair shops, service stations, dealerships, and body shops from liability claims that arise during daily operations. Whether a customer slips in your waiting area or a vehicle is damaged during a test drive, this coverage helps shield your business from lawsuits, injuries, and property damage. It combines general liability coverage with protections specific to garage operations, making it essential for any business that handles, services, or stores customer vehicles.

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How Can We Help?

At Single Source Insurance, we help Florida’s auto service professionals get the right garage liability coverage for their day-to-day risks—without the confusion or high costs. Whether you’re a small shop or a multi-location operation, we’ll tailor a policy that fits how you do business.

Here’s what we bring to the table:

Custom Coverage Options: Designed for mechanics, auto body shops, tire centers, detailing services, and used car dealers.
Broad Liability Protection: Covers bodily injury, property damage, and completed operations liability.
Garagekeepers Coverage (Optional but Critical): Protects customer vehicles while in your care, custody, or control.
Compliance & COIs: We help you meet insurance requirements and provide fast Certificates of Insurance when needed.
Claims Support: When something goes wrong, we’re here to help make it right—fast.

What Does Garage Liability Insurance Cover in Florida?

Garage liability insurance typically includes:

Bodily Injury & Property Damage Liability: Covers third-party injuries or property damage caused by your business activities.
Products & Completed Operations: Protects you after a job is done—for example, if a faulty repair causes an accident.
Advertising Injury: Coverage for libel, slander, or copyright infringement related to your business advertising.
Medical Payments: Helps cover minor medical bills regardless of fault.
Legal Defense: Covers attorney fees, court costs, and settlements for covered claims.

Garagekeepers insurance can be added to protect customer vehicles left in your care, such as those in your garage overnight, during repairs, or in storage.

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When Should Business Owners Purchase Garage Liability Insurance?

If your business involves working on, parking, or storing customer vehicles, garage liability insurance is a must—and often required by landlords, lenders, or licensing boards.

You should have this coverage in place if:

✔ You operate a repair shop, body shop, or tire service
✔ You run a used car lot or dealership
✔ Your business test-drives, services, or transports vehicles
✔ You have customers or vendors visiting your property
✔ Your landlord requires liability protection in your lease

Don’t wait until a claim hits your shop—protect your operation before the lift even moves.

The Single Source Difference

At Single Source Insurance, we know that auto-related businesses have fast-paced, hands-on operations—and the last thing you need is an insurance policy that doesn’t fit.

Here’s what makes us different:

✔ Industry-Specific Experience: We know the ins and outs of garage liability and what Florida shop owners actually need.
✔ Flexible Policies: Custom coverage based on your services, property, and risk level.
✔ Top Carrier Access: We work with leading providers to get competitive rates and reliable protection.
✔ Ongoing Support: From policy updates to claims help, we’re always in your corner.

Let us show you the Single Source difference. Contact us today and get the garage liability insurance that keeps your business safe—so you can focus on what you do best.

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