Garage Package Insurance

The Risk Theory 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
  • Garagekeepers
  • Property
    – Buildings
    – Business Personal Property
    – Business Income
  • Commercial Auto
  • General Liability
  • Crime
  • Inland Marine
  • Discrimination

  • Data Compromise

  • Equipment Breakdown

  • Umbrella

Eligible Risks:

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

Ineligible Risks:

  • Boat Dealers
  • Auto Rental Operations
  • ATV Dealers

Submission Requirements:

  • Completed Application
  • Employee Lists, Job Titles, Valid Driver’s License #, Date of Birth (see Employee List tab in the application)

  • 4 Years of Currently Valued Loss Runs

  • Year End & Current Financial Statements

  • Submit by email to

For more information about Garage Package Insurance:

Jonathan Rogers (469-310-9193,

Brian Atkinson (469-310-9142,