Michigan Garage Liability Insurance
If your business repairs, sells, tows, or stores vehicles, garage liability insurance isn’t just nice to have—it’s essential. From customers slipping on your shop floor to property damage caused during a repair, this policy helps protect your Michigan business from the costly consequences of everyday risks.
What Is Garage Liability Insurance?
Garage liability insurance is designed for businesses in the automotive industry that regularly handle customer vehicles or operate in high-risk environments. This coverage helps protect you if someone is injured or their property is damaged on your premises or as a result of your operations. It also helps cover legal defense costs if a customer files a lawsuit.
Who Needs It?
If you own or operate one of the following businesses, garage liability insurance should be part of your coverage plan:
Auto repair shops
Car dealerships
Body shops
Auto detailing services
Tow truck companies
Car rental agencies
Mobile mechanics
Motorcycle or ATV repair shops
Tire or quick lube shops
Vehicle storage facilities
What’s Covered?
Bodily Injury & Property Damage
Covers medical bills, repair costs, and legal fees if a customer or visitor is injured on your premises or if you damage someone’s property—like a vehicle or neighboring business.
Completed Operations
Protects you after a job is done, in case a repair or service you provided results in damage or injury down the road.
Products Liability
Covers claims related to defective parts or equipment you install or sell, including damage or injury caused by those parts.
Legal Defense Costs
Pays for attorney fees, court costs, and settlements related to covered claims—even if the lawsuit is baseless.
Protect Your Business with Melton McFadden
Don’t wait until something goes wrong. Contact Melton McFadden today to get a quote tailored to your Michigan auto repair business—and ask us how we can help protect your life, health, and everything else that matters.