Ideal Insurance LLC
Home
Contractor's
  • Contractor Insurance
  • Workers Compensation
  • General Liability
  • Commercial Auto
  • Tools and Equipment
  • Contractor Requirements
  • Roofing Contractor's
Business
  • Business Insurance
  • Dumpster Rental Insurance
  • Garagekeepers Insurance
  • Garage Liability
  • Commercial Property
Auto Insurance
Home Insurance
Renters
Blog
What Makes us Different
  • Gallery
  • What Makes us Different
Ideal Insurance LLC
Home
Contractor's
  • Contractor Insurance
  • Workers Compensation
  • General Liability
  • Commercial Auto
  • Tools and Equipment
  • Contractor Requirements
  • Roofing Contractor's
Business
  • Business Insurance
  • Dumpster Rental Insurance
  • Garagekeepers Insurance
  • Garage Liability
  • Commercial Property
Auto Insurance
Home Insurance
Renters
Blog
What Makes us Different
  • Gallery
  • What Makes us Different
More
  • Home
  • Contractor's
    • Contractor Insurance
    • Workers Compensation
    • General Liability
    • Commercial Auto
    • Tools and Equipment
    • Contractor Requirements
    • Roofing Contractor's
  • Business
    • Business Insurance
    • Dumpster Rental Insurance
    • Garagekeepers Insurance
    • Garage Liability
    • Commercial Property
  • Auto Insurance
  • Home Insurance
  • Renters
  • Blog
  • What Makes us Different
    • Gallery
    • What Makes us Different
  • Home
  • Contractor's
    • Contractor Insurance
    • Workers Compensation
    • General Liability
    • Commercial Auto
    • Tools and Equipment
    • Contractor Requirements
    • Roofing Contractor's
  • Business
    • Business Insurance
    • Dumpster Rental Insurance
    • Garagekeepers Insurance
    • Garage Liability
    • Commercial Property
  • Auto Insurance
  • Home Insurance
  • Renters
  • Blog
  • What Makes us Different
    • Gallery
    • What Makes us Different

Garage Liability Insurance in Louisiana

Garage liability insurance protects automotive businesses from claims arising out of daily operations. If someone is injured on your premises or if your business operations cause property damage, garage liability coverage can respond. Ideal Insurance LLC helps automotive businesses in Lafayette and across Louisiana.

Call Today

Who Needs Garage Liability Insurance

  •  Auto repair shops
     
  • Service stations
     
  • Car dealerships
     
  • Used car lots
     
  • Automotive service facilities
     
  • Businesses that sell or service vehicles


 If your business sells, services, repairs, or stores vehicles, garage liability coverage is often a core part of your insurance program. 

What Garage Liability Typically Covers

  •  Bodily injury to third parties
     
  • Property damage caused by your operations
     
  • Premises liability claims
     
  • Completed operations exposure
     
  • Certain auto related liability exposures


Garage liability combines elements of general liability and auto liability for businesses that work with vehicles. 

Garage Liability vs Garagekeepers

Garage liability protects your business operations. Garagekeepers protects customer vehicles in your care, custody, or control. These are separate coverages and many automotive businesses need both. 

Common Coverage Requirements

  •  Minimum liability limits of $1,000,000 per occurrence
     
  • Proof of coverage for landlords
     
  • Certificate holder wording accuracy
     
  • Lender compliance if vehicles are financed


We review lease agreements and lender requirements to avoid certificate rejections and coverage gaps. 

Contact an Expert

FREQUENTLY ASKED QUESTIONS ABOUT GARAGE LIABILITY POLICY'S

Is garage liability the same as general liability?

No. Garage liability is designed for businesses that sell or service vehicles and includes auto related exposures. 

Do dealerships need garage liability?

Yes, dealerships typically require garage liability coverage due to sales and test drive exposures. 

Does garage liability cover customer vehicles?

No. That exposure is typically addressed by garagekeepers coverage. 

Can garage liability include test drive coverage?

 Coverage depends on how the policy is structured and the driver controls in place.

Need garage liability?

Helping across Acadiana, including Scott, Broussard, Youngsville, Carencro, and surrounding Louisiana communities, stay covered and insured.


 Let us review your garage liability policy or request a quote today. 

Call Now
  • Privacy Policy
  • Terms of Service

Ideal Insurance LLC

102B Woodvale Ave, Lafayette, LA 70503

(337)205-7433

Copyright © 2026 Ideal Insurance LLC - All Rights Reserved

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept