Auto dealerships, repair shops, tire operations, mobile mechanics, and fleet service companies all face risks that standard business policies miss entirely. We place coverage with carriers who actually understand garage risks — and price them right.
Standard commercial policies have exclusions that gut coverage the moment a customer's vehicle is involved. These are the policies that actually matter for your operation.
When a customer's vehicle is in your care, custody, or control — parked on your lot, in your service bay, or waiting for pickup — you're on the hook if it's damaged, stolen, or vandalized. Garagekeepers covers exactly that.
Service & Repair ShopsOperations liability designed specifically for auto businesses. Covers bodily injury and property damage arising from your garage operations, including test drives, road moves, and customer interactions on your premises.
All Auto BusinessesYour inventory on the lot is exposed to hail, theft, flooding, and collision every day. Dealers open lot (also called auto dealers physical damage) protects the vehicles you own — new or used — against physical loss.
DealershipsLoaner vehicles, courtesy shuttles, tow trucks, and fleet vehicles all need proper commercial auto coverage. Personal auto policies won't respond for business use — and gaps here can be catastrophic.
Mechanics, technicians, lot attendants, and service writers face daily injury risk. We write workers' comp with the correct class codes for auto service, so your premiums reflect your actual risk rather than a one-size-fits-all rate.
Required in KS & MOShop equipment, lifts, diagnostic tools, parts inventory, and your building itself. We bundle these into a business owner's policy or standalone commercial property form that fits your operation's real replacement value.
All OperationsEvery state sets its own dealer bond requirements, and the amounts vary widely — from a few thousand dollars all the way up to six figures for certain license types. We issue bonds to match, so you can focus on running your lot.
Not every auto business fits the dealership mold. We work with a wide range of garage and mobile operations across Kansas City and the surrounding area.
Whether you're a standalone tire retailer or a full-service shop that sells and installs, we write coverage tailored to tire operations — including garagekeepers for vehicles you're working on and property for your tire inventory.
Mobile mechanics face unique exposure: you're working on customer vehicles off-site, often in unpredictable environments. We place coverage that follows you — tools, liability, and garagekeepers that travels with your operation.
Mobile tire installers and roadside assistance companies need commercial auto, on-hook towing, and service liability. We've written these risks and know the carriers who want them.
Companies that service or maintain commercial fleets — delivery vans, utility trucks, semi-trucks — have large garagekeepers exposure and specialized liability needs. We size the coverage to match the value of the vehicles you're working on.
A lot of dealership owners pull a vehicle from inventory to use as a daily driver or for family use. It's completely normal — but it must be specifically listed as a furnished vehicle on your garage policy. Otherwise, a claim can be denied. We make sure this is properly documented from day one so there are no surprises when you need the coverage.
The gap between a general commercial policy and a true garage policy can cost you everything. Here's where it shows up.
Standard GL policies almost always exclude damage to vehicles in your care. Without garagekeepers, a fire in your shop that damages 10 customer cars comes out of your pocket.
Dealers open lot is separate from commercial property. Vehicles on your lot — even if they're inside a showroom — need their own form. Confusing the two leaves you with uncovered inventory losses.
A standard BOP or general liability policy won't follow you off-premises when you're working at a customer's home or jobsite. Mobile operations need coverage that travels with them.
From franchise dealership groups to one-person mobile mechanics, we work with the full spectrum of auto and garage businesses in the Kansas City metro.
If your business involves handling, repairing, or selling vehicles — we've insured operations like yours.
Auto dealerships and service shops collect some of the most sensitive customer information out there — driver's license scans, credit applications, financial data, and payment details. Federal FTC Safeguards Rule requirements add regulatory exposure on top of breach risk. A single ransomware or phishing incident can trigger notification costs, legal fees, and regulatory fines. We strongly recommend adding cyber liability to protect the data you're entrusted with.
Tell us about your operation and we'll match you with carriers who specialize in your type of auto business.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.