Garage Liability Insurance in South Carolina
If your business involves selling, servicing, storing, or moving vehicles, you face unique risks that standard commercial general liability insurance may not fully cover. Garage liability insurance helps protect your business from claims involving customer injuries, property damage, and accidents that happen during daily operations.
Hutson-Etherredge Companies provides garage liability insurance to South Carolina auto dealers, repair shops, service stations, and body shops that need reliable coverage for on-site and operational risks.
What Does This Insurance Cover?
Bodily injury and property damage
Covers claims if a customer or third party is injured or their property is damaged on your premises or due to your business operations.
Garage operations
Extends liability protection to cover auto-related activities such as test drives, service work, or valet parking.
Premises liability
Protects your business from claims tied to slips, falls, or injuries that occur on your property.
Products and completed work
Covers claims that arise after your business has serviced a vehicle, such as defective repairs or faulty parts.
Legal costs
Helps pay for defense, settlements, or court judgments related to covered claims.
Why You Need It
Required for auto-related businesses
If your business handles customer vehicles in any capacity, garage liability insurance is a core requirement.
Covers exposures beyond standard liability policies
General liability may not account for the specialized risks that come with vehicle repair, storage, or sales.
Helps meet dealer licensing requirements
South Carolina law often requires garage liability insurance for businesses applying for or renewing a dealer license.
Frequently Asked Questions
Is Garage Liability the same as Garagekeepers Insurance?
No. Garage liability covers injury and damage claims related to your business operations. Garagekeepers insurance specifically covers your liability for damage to customers’ vehicles while in your care.
Who needs Garage Liability insurance?
Auto dealerships, repair shops, tow truck operators, body shops, vehicle storage facilities and other business in the automobile industry.
Does this include test drives?
Yes. Garage liability policies can extend coverage to vehicles used during test drives or service checks by your employees.
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Get a Quote for Garage Liability Insurance
Whether you repair, store, or sell vehicles, garage liability insurance helps protect your business from costly claims. Hutson-Etherredge Companies can help you find the right protection for your operation.
Call us at
803-649-5141 or request a free quote online.