Auto Garage & Car Dealerships

The ERIE’s Garage/Auto Policy provides coverage for the legal liability of automobile dealers, garages, repair shops and service stations. The coverages available:

  • Bodily injury and property damage – Covers damages from garage-related operations.
  • Garage keepers – Covers damage to customers’ autos and property.
  • Garage-owned autos – Covers damage to garage-owned autos.
  • Owned autos – Provides protection for claims arising out of ownership.
  • Hired autos – Provides protection for a vehicle you or your employee rent or borrow for business.
  • Non-owned autos – Provides protection for partners, employees or members of households using the vehicle for your business or personal affairs.
  • Temporary substitute autos – Provides protection when your owned auto is disabled and you’re using another vehicle temporarily.
  • Newly acquired autos – Provides protection for new or additional autos acquired during the policy period.

Optional Coverage

To offer your business more complete coverage at a great rate consider the following optional coverages:

  • Broadened Garage Liability (Defective Product and Faulty Work) - Covers the products or work performed by your shop in the event that the work or parts results in an accident that causes property damage to your customer’s vehicle.
  • Customer Autos Actual Loss Sustained - Covers the amount of the actual loss of a customer’s vehicle without regard to a dollar limit.

This coverage can be written in conjunction with ERIE’s business property coverages in order to provide a complete protection package for your business.

Make sure your business is fully protected. Contact a local ERIE Agent to learn more about these coverage enhancements from ERIE.


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View your Auto or Home Policy Summary or print Temp Auto ID Cards.

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