Garage Liability Insurance for Georgia Auto Dealers
Georgia dealers must carry garage liability to get licensed. Learn what it covers and the state minimums, and get a quote from a local Athens agency.
What Garage Liability Covers:
Customer injuries on your lot or in your office
Test drives and vehicles driven on dealer plates
Damage your operations cause to someone else's property
Legal defense if you're sued over a covered claim
What It Doesn't Cover (and What Does):
Your inventory damaged by hail, theft or fire → Dealer's Open Lot (link)
Customer cars in your care → Garagekeepers (link)
Employee injuries → Workers' Comp
Georgia Garage Liability Requirements:
State minimum commonly cited as 50/100/25 split limits or a $125,000 combined single limit, with proof on an ACORD certificate (a binder is not accepted). Note that most dealers carry higher limits.
What Affects Your Price:
Number of dealer plates, drivers and their records, lot location, sales volume, years in business, and claims history.
Why Get It Through Us:
we worked the lot, we shop multiple dealer markets, and we turn around the certificate you need for licensing fast.