500 Clark Rd, Suite 3 · Tewksbury, MA 01876Mon-Fri 9AM-5PM · Sat by Appointment

Understand your risks

What are you really protecting in the shop and on the lot?

Tap each hotspot to see what matters most in garage and dealer insurance and how it protects your business, inventory, and customer vehicles.

Garage and dealers insurance risks
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Garagekeepers coverage

Helps protect customer vehicles while they’re in your care, custody, or control.

How Amara helps:

If a customer leaves a vehicle with your shop or dealership and it gets damaged, stolen, or otherwise impacted while it’s on your premises or in your control, garagekeepers coverage is one of the most important parts of the policy.

Get a Free Quote for This Coverage →

Coverage basics

Garage and dealer coverage explained in plain English

Here’s the simple version of the main coverages so you can match the policy to how your garage or dealership actually operates.

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Garagekeepers

Helps protect customer vehicles while they’re in your care, custody, or control.

Covered
Covered: customer vehicles, service damage, storage exposure
Not usually covered
Not usually covered: every loss without policy limits or exclusions
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Inventory / lot

Helps protect vehicles you own, buy, sell, or store on the lot.

Covered
Covered: owned vehicles, lot exposure, inventory loss
Not usually covered
Not usually covered: wear and tear or poor maintenance
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Building / contents

Helps cover the shop, office, and the equipment inside it.

Covered
Covered: building, office contents, fixtures, computers
Not usually covered
Not usually covered: uncovered outdoor property unless scheduled
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Liability / operations

Helps with injuries, property damage, and claims tied to the way the business runs.

Covered
Covered: customer slips, operations claims, defense costs
Not usually covered
Not usually covered: intentional acts or excluded services

Quick guide

What kind of garage or dealer setup do you need?

Use this to see what kind of protection usually fits your auto business.

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Independent dealer

Usually needs inventory, garagekeepers, premises liability, and dealer operations coverage.

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Repair shop

Usually needs garagekeepers, tools, building, equipment, and liability protection.

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Body shop

May need stronger property, garagekeepers, and customer vehicle coverage because cars stay on site longer.

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Towing / service garage

May need broader liability, premises, and vehicle-related coverages depending on the operation.