Garage Package Insurance

The Risk Point Garage Program provides a broad, multiple-line package program tailored to the unique exposures of franchised dealer operations.

Coverage: Admitted with A.M. Best ratings of A- IX (Excellent).

Availability: Coverage is available in most states, except Alaska.

Package Coverages Available:

  • Garage Liability
  • General Liability

  • Garagekeepers
  • Property
    – Buildings
    – Business Personal Property
    – Business Income
  • Commercial Auto
  • Crime
  • Inland Marine
  • Discrimination

  • Data Compromise

  • Equipment Breakdown

  • Pollution Liability

  • Umbrella

Eligible Risks:

  • Franchised Auto Dealers
  • Non-franchised Auto Dealers

  • Franchised Heavy Truck Dealers
  • Franchised Motorcycle Dealers
  • Franchised RV Dealers

  • Franchised ATV Dealers

Ineligible Risks:

  • Boat Dealers
  • Equipment Dealers

  • Auto Rental Operations

Submission Requirements:

  • Completed Application
  • Employee Lists, Job Titles, Valid Driver’s License #, Date of Birth in Excel Format

  • 4 Years of Currently Valued Loss Runs

  • Year End & Current Financial Statements

  • Submit by email to

For more information about Garage Package Insurance:

Amy Avila (469-310-9187,

Brian Atkinson (469-310-9142,