Insurance Tailored for Auto Shops & Dealerships

From liability claims to coverage for customer vehicles, IDR Garage Insurance keeps your business protected.

Talk to Experts
Get Your Free Life Quote Now
Business Insurance

Business Insurance

Commercial Auto

Commercial Auto

Trucking

Trucking

Cyber

Cyber

Commercial Property

Commercial Property

General Liability

General Liability

Professional Liability / E&O

Professional Liability / E&O

Malpractice Insurance

Malpractice Insurance

Sport Insurance

Sport Insurance

Workers Compensation

Workers Compensation

Business Owner's Policy (BOP)

Business Owner's Policy (BOP)

Liquor Liability

Liquor Liability

Commercial Umbrella

Commercial Umbrella

Garage Insurance

Garage Insurance

Event Insurance

Event Insurance

Why Garage Insurance is Essential

Auto businesses face unique risks—customer vehicle damage, liability during repairs, and accidents on test drives. Standard business policies often don’t cover these. IDR Garage Insurance fills the gap, protecting your shop from unexpected financial losses.

Read More

What's Covered: Garage Insurance

Coverage designed for repair shops, body shops, dealerships, and service stations—IDR Garage Insurance protects customer vehicles, your operations, your team, and your property.

Garage Liability

Covers slip-and-fall incidents, test drives, and day-to-day operations—IDR Garage Insurance keeps your business protected from common risks.

Learn More
×

Garage Liability

Covers slip-and-fall incidents, test drives, and day-to-day operations—IDR Garage Insurance keeps your business protected from common risks.

Covers bodily injury and property damage resulting from your garage operations
Includes incidents during test drives
Protects vehicles on public roads while in service
Part of comprehensive IDR Garage Insurance coverage

Contact Us

Garagekeepers (Customers’ Autos)

Covers damage to customer vehicles while in your care—IDR Garage Insurance ensures your clients’ cars are protected during service or storage.

Learn More
×

Garagekeepers (Customers’ Autos)

Covers damage to customer vehicles while in your care—IDR Garage Insurance ensures your clients’ cars are protected during service or storage.

Covered causes: collision, fire, theft, vandalism, hail
Coverage forms: Legal Liability, Direct Primary, or Excess
Optional add-on: Customers’ loss-of-use coverage
All included under IDR Garage Insurance to protect vehicles in your care.

Contact Us

Dealers Open Lot

Protects your inventory both on the lot and while in transit—IDR Garage Insurance safeguards your vehicles and parts from loss or damage.

Learn More
×

Dealers Open Lot

Protects your inventory both on the lot and while in transit—IDR Garage Insurance safeguards your vehicles and parts from loss or damage.

Covers physical damage to vehicles you own for sale
Protection extends to open lots, off‑premises locations, and in transit
Part of comprehensive IDR Garage Insurance for auto businesses

Contact Us

False Pretense

Protects your business from trickery, fraud, or title scams—IDR Garage Insurance helps safeguard your assets and operations.

Learn More
×

False Pretense

Protects your business from trickery, fraud, or title scams—IDR Garage Insurance helps safeguard your assets and operations.

Covers losses if a covered vehicle is obtained through fraud.
A vital add-on for dealers handling trade-ins or test drives—part of IDR Garage Insurance.

Contact Us

On‑Hook Towing

Covers customer vehicles during towing—IDR Garage Insurance ensures protection while vehicles are in transit or being moved.

Learn More
×

On‑Hook Towing

Covers customer vehicles during towing—IDR Garage Insurance ensures protection while vehicles are in transit or being moved.

Covers physical damage to non-owned vehicles while being towed.
Ideal for roadside assistance, transport services, and mobile mechanics—part of IDR Garage Insurance.

Contact Us

Dealer E&O

Protects against title, odometer, and paperwork errors—IDR Garage Insurance helps prevent costly administrative mistakes.

Learn More
×

Dealer E&O

Protects against title, odometer, and paperwork errors—IDR Garage Insurance helps prevent costly administrative mistakes.

Covers administrative errors that could result in financial loss.
May also include protection for truth-in-lending and advertising mistakes—part of IDR Garage Insurance.

Contact Us

Tools & Equipment

Covers tools and equipment you own or that employees use, including lifts and diagnostic scanners—IDR Garage Insurance protects your essential shop assets.

Learn More
×

Tools & Equipment

Covers tools and equipment you own or that employees use, including lifts and diagnostic scanners—IDR Garage Insurance protects your essential shop assets.

Provides Inland Marine coverage for mobile and portable equipment.
Optional add-ons include scheduled coverage for employee tools and protection against mysterious disappearance—part of IDR Garage Insurance.

Contact Us

Business Property & Income

Protects your garage buildings, contents, and covers business interruption—IDR Garage Insurance helps keep your operations running after unexpected events.

Learn More
×

Business Property & Income

Protects your garage buildings, contents, and covers business interruption—IDR Garage Insurance helps keep your operations running after unexpected events.

Covers your shop, office, parts inventory, and equipment
Includes Business Income/Extra Expense coverage after a covered loss
Protects against equipment breakdowns for compressors, lifts, and electronics
All part of comprehensive IDR Garage Insurance

Contact Us

Workers’ Compensation

Covers employee injuries and lost wages—IDR Garage Insurance helps protect your team and your business from workplace accidents.

Learn More
×

Workers’ Compensation

Covers employee injuries and lost wages—IDR Garage Insurance helps protect your team and your business from workplace accidents.

Covers medical expenses, wage replacement, and employer liability
Designed for technicians, service advisors, drivers, porters, and office staff
Part of comprehensive IDR Garage Insurance to protect your employees and business

Contact Us

Business Auto

Covers service trucks, parts deliveries, and loaner vehicles—IDR Garage Insurance ensures protection for all vehicles used in your operations.

Learn More
×

Business Auto

Covers service trucks, parts deliveries, and loaner vehicles—IDR Garage Insurance ensures protection for all vehicles used in your operations.

Covers liability, physical damage, UM/UIM, and rental or loaner cars
Includes Hired & Non-Owned Auto for errands and temporary vehicles
Part of comprehensive IDR Garage Insurance to protect all vehicles used in your business

Garage Pollution

Covers spills and cleanup for oil, coolant, and other fluids—IDR Garage Insurance helps protect your shop and the environment from accidental releases.

Learn More
×

Garage Pollution

Covers spills and cleanup for oil, coolant, and other fluids—IDR Garage Insurance helps protect your shop and the environment from accidental releases.

Provides limited pollution liability for sudden or accidental releases.
Coverage can include cleanup expenses and third-party claims—part of IDR Garage Insurance.

Cyber & Data Breach

Covers data breaches, DMS/POS system attacks, and privacy-related claims—IDR Garage Insurance helps protect your business from cyber and data risks.

Learn More
×

Cyber & Data Breach

Covers data breaches, DMS/POS system attacks, and privacy-related claims—IDR Garage Insurance helps protect your business from cyber and data risks.

Covers response costs, customer notifications, and liability following a data breach.
Essential for businesses that store customer information or process card payments—part of IDR Garage Insurance.

Get Custom Coverage

Who Needs Garage Insurance

Auto Repair Shops

Covers shops offering mechanical repairs, diagnostics, and vehicle maintenance—IDR Garage Insurance protects your operations and customers.

Car Dealerships

Protects franchise and independent dealers managing inventory and customer test drives—IDR Garage Insurance safeguards your vehicles and business operations.

Body & Paint Shops

Covers collision centers, custom paint shops, and auto body repair facilities—IDR Garage Insurance protects your business, equipment, and customers.

Service Stations

Protects gas stations that offer on-site repair bays or service operations—IDR Garage Insurance safeguards both your property and business activities.

Parking & Valet Services

Covers valet services, parking garages, and vehicle storage facilities—IDR Garage Insurance protects your clients’ vehicles and your business operations.

Towing & Recovery

Protects towing companies and roadside assistance providers while handling customer vehicles—IDR Garage Insurance ensures coverage for accidents, damage, and liability.

Detailing & Car Wash

Covers auto detailing shops and full-service car wash businesses—IDR Garage Insurance protects your operations, equipment, and customer vehicles.

Fleet & Storage Operators

Protects businesses that store or maintain vehicles for clients or commercial purposes—IDR Garage Insurance safeguards both property and operations.

Don't see Your Business?

IDR Insurance also provides coverage for additional business types not listed here.

Talk to a Local Agent

Garage Insurance That Works for You

Protect your repair shop, dealership, or service center with coverage built for the unique risks of the garage industry.

  • Cover Customer Vehicles – Safeguard cars in your care, on-site or in transit

  • Protect Your Business Assets – Equipment, inventory, and property protection

  • Tailored Plans for Garages – Flexible coverage designed specifically for your operations with IDR Garage Insurance

Read More
Get a Quote

Expert Guidance Whenever You Need It

Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.

File A Claim

Start the process of reporting an insurance claim.

1 File A Claim

Update My Policy Info

Modify contact, coverage, or account details.

2 Update My Policy Info

Upload Document

Send us necessary documents securely online.

3 Upload Document

Policy Review Request

Request a full review of your current policy.

4 Policy Review Request

Schedule A Call

Book a call with your insurance advisor.

5 Schedule A Call

Why Businesses Trust IDR Insurance for Reliable Coverage

  • Quick, personalized quotes tailored to your business needs

  • Affordable plans with flexible coverage options

  • Experienced IDR agents who understand small business challenges

  • Responsive claims support when you need it most

Read More

Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

Sarah Mitchell

1

“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

James Carter

1

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

Emily Johnson

1

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

Michael Thompson

1

Frequently Asked Questions

What’s the difference between Garage Liability and Garagekeepers coverage?

IDR Garage Liability protects against injuries or property damage from your operations, such as slip-and-fall incidents or a technician’s test drive.
IDR Garagekeepers covers physical damage to customer vehicles while in your care.

Do I need Dealers Open Lot if I already have Garagekeepers?

Yes. IDR Garagekeepers protects customer vehicles, while IDR Dealers Open Lot covers inventory vehicles you own for sale. Most dealerships carry both for complete protection.

Does Garage Insurance cover my mechanics’ personal tools?

Not included automatically. You can add Employee Tools coverage with IDR Garage Insurance to protect owned or borrowed tools from theft, fire, or mysterious disappearance.

Am I covered if a customer sues me over a paperwork error?

This is where IDR Dealer Errors & Omissions coverage helps. It protects your business against mistakes involving titles, odometer readings, financing disclosures, and other administrative errors.

Do I really need Cyber coverage for my shop?

If your business processes card payments, stores customer information, or uses a Dealer Management System, IDR Cyber Insurance is essential. It helps cover breach response, legal expenses, and customer notifications.

What if my shop has to close after a fire or storm?

IDR Garage Insurance includes Business Income coverage, helping replace lost revenue and cover ongoing expenses during downtime—so your business can reopen without financial strain.

Talk to a Real Agent

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

Call: (636) 556-5555, (314) 499-8888

Mail: support@idrinsurance.com

Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005

Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368