🚗 Garage & Dealership Insurance – City Insurance Minnesota
Tailored protection for dealerships, repair shops, and service garages across Minnesota.
Running a dealership or garage comes with unique risks — from accidents during test drives to theft from your lot. At City Insurance, we provide Garage Liability, Dealer’s Open Lot, and Garagekeepers coverage designed for Minnesota car dealers and repair facilities. Our goal is to keep your business compliant, protected, and moving forward.
👉 Call us today at (763) 582-1888
📩 Or fill out the quick quote form below to get started.
🔑 What We Cover
🧰 Minnesota Garage Liability & Garagekeepers Insurance.
Protects your business against accidents, injuries, and damage to customer vehicles in your care.
🚗 Dealer’s Open Lot Insurance in Minnesota.
Safeguards your dealership vehicles against theft, vandalism, and weather damage on the lot or during test drives.
📋 Dealer Plate & Bond Requirements
We help Minnesota dealers meet state requirements for plates, licenses, and bonds.
🛡️ Additional Options
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Title Bonds & Surety Requirements
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Errors & Omissions for Auto Dealers
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Umbrella Liability
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Cyber Liability & False Pretense
🏆 Why Dealers & Garages Choose Us
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Fast Certificates of Insurance for auctions, lenders, and floorplans
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Access to top carriers (Guard + broker markets)
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Expertise in dealer & garage underwriting requirements
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Local service — we pick up every call
📍 Who We Insure
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Licensed Used Car Dealerships in Minnesota.
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Auto Repair Shops & Mechanics
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Minnesota Auto Body Shops (collision & paint).
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Service Garages
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Car Lots with Dealer Plates
Garage & Dealership Questions
Garage Liability insurance protects your dealership or repair shop against lawsuits and claims from accidents, injuries, or property damage caused by your operations. For example, if a customer slips in your showroom or a test drive ends in an accident, Garage Liability responds. Garagekeepers insurance, on the other hand, is specifically designed to protect customers’ vehicles while they are in your care, custody, or control. If a customer’s car is damaged while parked on your lot, in your repair shop, or while being serviced, Garagekeepers coverage helps pay for those repairs. Most Minnesota dealerships and garages carry both, since together they provide more complete protection.
Dealer’s Open Lot coverage is not mandated by state law, but it is often required by lenders, banks, and floorplan financing companies. It protects your inventory of vehicles against theft, vandalism, fire, and weather-related losses, both on the lot and during test drives. Without this coverage, one storm or theft incident could cost a dealership thousands—or even shut down operations. Even when not strictly required, it’s considered essential protection for Minnesota car dealers who keep valuable inventory outdoors.
Yes. The State of Minnesota requires most motor vehicle dealers to obtain a dealer bond as part of the licensing process. A dealer bond provides financial security for customers and the state, ensuring that you operate your dealership in compliance with regulations. If you fail to meet your obligations, the bond can compensate affected parties. The bond amount varies based on license type, and securing it properly is a key step to getting and keeping your dealer license active. City Insurance helps clients connect with bonding providers so this step is handled smoothly.
Absolutely. Many insurance carriers are willing to write policies for new dealerships, garages, or repair shops, provided the owners have clean driving records and a solid business plan. While rates may be higher initially because of limited operating history, coverage is still accessible. Having the right liability, garagekeepers, and dealer bond in place from day one also shows regulators and lenders that your business is operating professionally. We regularly work with new Minnesota auto dealers and garage owners to help them launch with the right protection.
Yes. Same-day Certificates of Insurance are standard for our clients, especially dealers who need proof of coverage quickly for auctions, lenders, or licensing requirements. Once your policy is in force, we can issue COIs the same day you request them, often within hours. This flexibility helps you keep your business moving—whether you’re attending an auto auction, finalizing a financing agreement, or showing proof of coverage to the state licensing office.
🌐 Serving Dealers & Garages Across Minnesota
City Insurance serves dealerships and garages across: Minneapolis, St. Paul, Rochester, Duluth, St. Cloud, Mankato, and all surrounding Minnesota communities.
✅ Get Started Today
Protect your lot, your shop, and your employees with coverage designed for Minnesota auto businesses.
👉 Call us today at (763) 582-1888
📩 Or fill out the quick quote form below to get started.