Garage & Automotive Insurance Solutions
Cottonwood, Flagstaff

Butler-Leavitt & LGNA provides garage and automotive insurance solutions for repair shops, dealers, towing companies, and more.

Depending on your operation, your coverage may be provided through general liability, commercial auto, and garagekeepers rather than a single garage liability policy. We help you sort out which pieces fit your business.

Who We Serve

Leavitt Group of Northern Arizona provides garage and automotive insurance solutions for:

• Auto Service & Repair Shops
• Diesel Repair Shops
• Quick Lube & Oil Change Shops
• Auto Body & Collision Repair Shops
• Tire Dealers & Service Centers
• Towing Companies
• Franchised & Non-Franchised Auto Dealers
• Auto Parts Stores
• ATV Sales & Repair Shops
• Golf Cart & Low-Speed Vehicle Dealers

We're More Than Insurance Agents. We're Your Partners in Protecting Every Bay, Lot, and Tow.

Whatever your corner of the automotive world, turning wrenches, moving inventory, mounting tires, or hauling vehicles off the highway, you take on risk the moment a customer's vehicle is in your care. Our team understands the day-to-day exposures that come with operating a garage-related business, and we build your program around how you actually operate, not a one-size-fits-all policy.

Here's What Sets Our Team Apart

Automotive-Industry Experience

We know the difference between a body shop's spray booth exposure, a dealership's inventory risk, and a towing company's on-road liability. We help identify those exposures and arrange appropriate coverage.

Fast Quotes and Quick Response

We respond promptly to help keep your business moving.

Flexible Options for Every Size Business

From a single-bay lube shop to a multi-location dealer group, we tailor coverage options to your operation and your budget.

Northern Arizona Market Knowledge

We understand local exposures: seasonal tourist and commuter traffic, extreme heat and monsoon conditions, theft trends, and state licensing and bonding requirements.

Strong Carrier Relationships

We work with multiple insurance companies that write garage and dealer risks, so you can compare options with confidence.

Trusted, Local Service

As part of Leavitt Group, one of the nation's largest privately held insurance brokerages, you get national strength with hometown service.

Your Business Runs on Vehicles. We Build Your Safety Net Around Them.

Whether you run a two-bay repair shop or a multi-rooftop dealership group, Leavitt Group of Northern Arizona helps garage and automotive businesses protect what keeps them running: your inventory, your employees, your facility, and your reputation.

How We Work With You:

We learn your business

Your services, your lot, your fleet, and how vehicles move through your operation each day.

We design your coverage

Matching coverage options, including garage liability, garagekeepers, and dealer-specific coverages, to how your business operates.

We help with licensing requirements

We help you address insurance and bonding requirements associated with licensing.

We review as you grow

We review your coverage with you as your inventory, services, and business change.

What Kind of Insurance Do I Need for an Automotive Business?

At first glance, businesses like repair shops, tire stores, dealerships, and tow companies might not seem to have much in common. But if your business involves servicing, storing, selling, or transporting other people's vehicles, you share a core concern: you face potential liability and loss exposures when handling vehicles that belong to others. That single fact drives many of the coverage decisions below, whether you run a one-bay lube shop or a multi-location dealership.

Your business, its services, and its risks are unique. Depending on the operation, coverage may be provided through general liability, commercial auto, and garagekeepers rather than a single garage liability policy. Here are the coverages garage and automotive businesses in Northern Arizona commonly evaluate.

What Coverage Do Garage & Automotive Businesses Need?

Garage Liability Insurance

Addresses your legal liability for bodily injury or property damage to others arising from your day-to-day operations, including the operation of autos (such as moving vehicles on your lot or road testing) and general premises operations. Depending on your business, these exposures may be covered through general liability, commercial auto, and garagekeepers working together.

Garagekeepers Insurance

Addresses covered damage to customers' vehicles while they are in your care, custody, or control, such as a vehicle in your shop or on your lot for service. Garagekeepers options include legal liability, direct primary, and direct excess, and each responds differently. Coverage is subject to policy terms and does not apply to all damage or to faulty repairs, so we walk through what each option does and does not address.

Dealers Open Lot Insurance

Protects the vehicle inventory you hold for sale against covered physical damage or loss, subject to policy terms. It is not necessarily limited to vehicles parked outdoors. Customers' vehicles left with you for service fall under garagekeepers rather than open lot coverage.

Dealer Auto Liability and Test-Drive Coverage

For franchised and non-franchised dealers: addresses liability arising from test drives and vehicle transport. This is separate from physical damage protection for the dealership's own vehicles, which is handled through other coverage such as open lot.

False Pretense Coverage

Optional coverage for certain vehicle losses involving fraudulent purchases or obtaining a vehicle through deception, subject to policy terms.

Towing & On-Hook Coverage

For towing operators: coverage for a customer's vehicle while it is being towed or hauled (on-hook) is different from coverage for a vehicle stored after a tow, which may fall under garagekeepers. Whether loading, unloading, and recovery are covered depends on the policy, so we review those details with you up front.

Commercial Auto Insurance

Covers your own business vehicles, including tow trucks, service vans, parts delivery vehicles, and shop trucks, on the road and on the job.

Workers Compensation

Covers medical bills and lost wages if a technician, service writer, or lot attendant is injured on the job.

Commercial Property

Covers your building, shop contents, and other business property against covered losses such as fire, theft, or storm damage.

Tools & Equipment Coverage

Covers the lifts, diagnostic equipment, specialty tools, and other equipment your work depends on, whether they sit in the shop or travel with your crew.

Business Income Coverage

Helps replace lost income and cover ongoing expenses if a covered loss forces you to pause operations.

Surety Bonds

Arizona requires surety bonds for applicable dealer licenses, with bond amounts determined by the license type. We help arrange the bond required for your application.

Other Coverage Options Worth a Conversation

Depending on your business, we may also discuss:

• Products and completed operations for claims tied to work you've finished or parts you've sold
• Umbrella liability for an extra layer above your primary liability limits
• Cyber liability for customer data and payment information
• Pollution liability for fluids, fuels, and other materials handled on site
• Employment practices liability for claims related to hiring, firing, and workplace issues
• Dealers errors and omissions (E&O) for claims related to the sale and documentation of vehicles

Do I Need Garage Liability Insurance?

If your business does any of the following, you face exposures that standard general liability alone may not address:

• Repairing, servicing, or maintaining customer vehicles
• Storing customer or inventory vehicles on-site, indoors or outdoors
• Test driving, moving, or transporting vehicles you don't own
• Selling new or used vehicles, ATVs, or golf carts
• Towing or hauling vehicles for customers or on contract

In addition, Arizona requires surety bonds for applicable dealer licenses, with bond amounts determined by the license type. We help arrange the bond required for your application.

How Much Does Garage and Automotive Business Insurance Cost in Northern Arizona?

Every garage and automotive business is different, and premiums are shaped by a number of factors, including:

• The amount of coverage you need
• Coverage limits and deductibles
• Your business's location and lot size
• The square footage of your facility
• Your total business and inventory value
• Number of vehicles on-site or in inventory
• Number of employees
• Employee driving records
• Claims history
• Types of services performed (e.g., diesel repair, body and paint work vs. basic maintenance)
• Security systems and lot fencing

We work with garage and automotive businesses every day, and we make it our business to understand you and your operation, not just your industry category. We spend time learning and listening so we can build a program around how you work.

You've worked hard to build your business. The next step is to protect it. We'll assess your risks and help tailor an insurance program for your shop, lot, or dealership.

Ready to Protect Your Business?

Don't let a single accident, theft, or liability claim put your business at risk. Get a quote today and see how easy it is to start the conversation about coverage designed for your shop, your lot, and your team.

1. Submit a Quick Contact Form. Leave your contact information and details about your business. It only takes a minute, and we'll take it from there.

2. We Reach Out to Learn More. We'll contact you to gather any additional details about your operation.

3. We Shop the Market For You. We contact multiple carriers to find coverage options that fit your needs and budget.

4. You Choose with Confidence. We walk you through your options, explain the fine print, and help you choose the plan that fits your business.

Frequently Asked Questions

• Do I need garage keepers coverage if I only do minor repairs, like oil changes?

  Yes. Any time a customer's vehicle is in your care, custody, or control, even for a quick service, you carry liability if it's damaged while at your shop.

• Is my personal auto policy or a standard general liability policy enough to cover my shop?

  No. Standard general liability typically excludes exposures tied to autos, and personal auto policies don't cover commercial operations. Garage liability and garage keepers coverage are built specifically for these gaps.

• I run a towing company. Is that really "garage" insurance?

  Yes. Towing operators face the same core exposure as repair shops and dealers: legal responsibility for vehicles that aren't yours. We'll build coverage around your on-hook and storage exposures specifically.

• Do ATV and golf cart dealers need the same coverage as car dealers?

  The core building blocks (garage liability, garage keepers, and open lot coverage) apply the same way, though your policy will be tailored to your inventory value, storage setup, and service operations.

• Can you help with dealer bonding and licensing requirements?

  Yes. We can help you understand the surety bond requirements in your state and get the right bond in place alongside your insurance program.