A car inside a garage with an open door.

Florida Garage & Auto Services Insurance for Shops & Dealers

Protect your business, your customers’ vehicles, and your reputation. Our garage insurance covers Florida repair shops, body shops, dealerships, and service centers.

What Does Garage Insurance Cover in Florida?

Garage Liability

Covers injuries or property damage to customers or their vehicles while on your premises.

Garagekeepers Insurance

Pays for damage to customers’ vehicles from fire, theft, vandalism, or weather.

Property Insurance

Covers your building, tools, lifts, diagnostic equipment, and business property.

Dealer Bonds & Title Bonds

Required for auto dealers by Florida law—fast, affordable bonds to keep your license.

Workers’ Compensation

Protect your employees from on-the-job injuries.

Business Interruption

Income coverage if you’re forced to close after a loss.

Why Garage & Auto Service Insurance Matters in Florida

  • Risk of Customer Vehicle Damage
     Clients trust you with high-value vehicles—insurance gives peace of mind.

  • Regulatory & Bonding Requirements
     Dealer and title bonds required by the state of Florida.

  • Severe Weather & High Traffic
     Shops face storm, flood, theft, and accident risks daily.

Bundle Garage Insurance for Complete Shop Protection

Bundle garage liability, property, bonds, and workers’ comp for maximum protection and simplified management.


  • Discounts for full shop programs

  • Flexible for auto, body, tire, glass, and dealer operations

  • Local claims support and annual reviews
Ask About Garage Insurance Bundles

GARAGE & AUTO SERVICES INSURANCE

Frequently Asked Questions

  • What’s the difference between garage liability and garagekeepers insurance?

    Liability covers injuries or property damage on site; garagekeepers covers damage to customer vehicles.

  • Are dealer bonds required in Florida?

    Yes—all auto dealers must carry a state-required bond.

  • Does insurance cover my tools and equipment?

    Yes—property coverage can include business property, tools, and equipment.

  • Can I get insurance for mobile mechanics or tow operations?

    Absolutely—coverage is available for all garage-related business models.

Still Have Garage Insurance Questions?

Protect Your Garage, Customers & Employees—Start Today

Let American Insurance Agency help your Florida shop or dealership stay safe, compliant, and profitable—no matter what drives in.

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