Garage Liability Policy Feature Checklist
What to confirm in a garage liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current garage policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Premises & Operations | Covers injuries and damage to others from your garage operations, including customers on site. | Standard | |
| Products & Completed Operations | Covers crashes and injuries caused by your work after the vehicle leaves. | Standard | |
| Test Drives & Employee Driving | Covers other people and property when staff drive customer or dealer vehicles. | Standard | |
| Owned & Dealer-Plated Autos | Covers vehicles you own or drive on dealer plates, including demos. | Standard | |
| Customer Test Drives | Covers customers driving vehicles for sale — some policies limit unaccompanied drives. | Often limited | |
| Sublet & 1099 Work | Work done by vendors or contractors may be excluded — confirm it is covered. | Often limited | |
| Faulty Work Itself | The cost to redo your own repair is usually excluded — only resulting injury or damage is covered. | Often limited | |
| Customers' Vehicles | Damage to vehicles in your care is excluded here — it needs garagekeepers coverage. | Often limited | |
| Pick-Up, Delivery & Valet | Covers others injured when your employees drive customer vehicles off site. | If needed | |
| Fuel, Propane & Tire Sales | Confirm product sales to the public are covered. | If needed | |
| Umbrella Over Garage Liability | Adds limits above the garage policy — confirm the umbrella schedules it. | If needed |
The gap most often missed in this coverage
The gap most often missed with garage liability is assuming it covers the customer's car. Garage liability pays for injuries and damage to others — the other driver after a road-test crash, or a customer hurt by a faulty brake job — but it excludes vehicles in your care, which need separate garagekeepers coverage. Work sent to vendors or 1099 workers is a second gap. Confirm sublet work is covered, collect vendor certificates, and pair this policy with garagekeepers.
Send us the checklist and we'll review your garage liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: Garage Liability Insurance · Garage Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a garage liability policy include?
Standard features to confirm in a garage liability policy include Premises & Operations, Products & Completed Operations, Test Drives & Employee Driving, Owned & Dealer-Plated Autos. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my garage liability coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.