Garage Liability
Covers bodily injury and property damage that come out of running your garage business — your premises, your operations, and the vehicles your business owns and uses.
Garage Insurance • Surety Bonds
PROTECT WHAT KEEPS Nevada Moving.
Specialized protection for Nevada's automotive industry.
Auto Dealers Repair Shops Body Shops
Insurance and bonds in one place. Personalized service in English and Spanish.
Insurance Coverages
The Right Coverage for the Risks Behind the Business
Garagekeepers Coverage
Covers damage to your customers' vehicles while they are in your care — parked on your lot, in your bays, or being test driven. Typically fire, theft, vandalism and collision.
Dealer's Open Lot
Physical damage protection for the vehicle inventory you have for sale — hail, wind, fire, theft and collision while the units sit on your lot.
Commercial Auto
For the vehicles titled to the business — parts runners, tow and service trucks, loaners and shuttles — including liability and physical damage.
Commercial Property
Your building or tenant improvements, lifts, alignment racks, paint booths, diagnostic equipment, tools, parts and signage.
General Liability
Broader business liability beyond the garage exposure — customers in your waiting area, your advertising, and the work you have completed.
Workers' Compensation
Medical care and lost wages when an employee is injured on the job. Required for most Nevada employers.
Business Umbrella
Extra limits that sit on top of your other policies for the large, unexpected claim that goes past what the underlying coverage will pay.
Garage Liability and Garagekeepers are not the same coverage. We will help identify what your operation actually needs.
Surety Bonds
Need a Bond Too? We Can Help With Both.
Nevada automotive businesses are often asked for a bond and an insurance policy at the same time — by the DMV, by a licensing board, or by a landlord. XPRT Insurance can work on the bond side and the insurance side together, so you are not chasing two agencies and two sets of paperwork.
- Nevada Auto Dealer Bonds
- License and Permit Bonds
- Applicable Commercial Surety Bonds
Already know which bond you need? Start your bond online — most bonds can be quoted quickly and many can be issued the same day.
Bond approval, bond amount and pricing are not automatic. They may depend on the applicant, the bond type, the documentation provided and underwriting review. XPRT Insurance LLC is not affiliated with the Nevada Department of Motor Vehicles.
Common Questions
Answers Before You Call
What is Garage Liability Insurance?
It is business liability coverage written for automotive operations. It responds to bodily injury and property damage arising out of your garage business — your location, your operations, and the autos your business owns or uses. It generally does not cover damage to a customer's vehicle left in your care; that is what Garagekeepers is for.
What is Garagekeepers Coverage?
Garagekeepers covers physical damage to vehicles that belong to your customers while those vehicles are in your care, custody or control — sitting on your lot, in your service bay, or out on a test drive. Common causes of loss include fire, theft, vandalism and collision. It can be written on different bases, which change when and how it pays, so the form matters.
Can XPRT help with both insurance and a dealer bond?
Yes. We work on insurance and surety bonds, so a dealer, repair shop or body shop can handle both through one agency. Bond approval and pricing still go through underwriting and depend on the applicant, the bond type and the documentation provided.
What information is needed to receive a quote?
Usually the legal business name and address, what the business actually does day to day, years of experience, number of employees and payroll, vehicles the business owns, the value of inventory or customer vehicles on site, your loss history, and a copy of any current policy. We will tell you exactly what applies to you.
This page is general information about insurance and bond products. It is not legal advice and it is not a promise of coverage. Actual coverage is governed by the policy or bond that is issued.