About InsuredGarage.com
Two coverages with confusingly similar names decide most of what happens to an auto business after a bad night on the lot. This site explains them at the level of the form, and cites the statute behind every dealer requirement.
What this site does
The whole vertical turns on one confusion. Garage liability and garagekeepers sound like variations on a theme and answer completely different questions, and a shop that owns only the first has nothing that pays for the customer car damaged in its own service lane. Most content in this space repeats the confusion. This site is built to end it, starting with the comparison page.
Three commitments hold the rest of it together.
- Form-level, not brochure-level. Where a coverage behaves a certain way, the page names the form or endorsement and links a published analysis or specimen of it, so you can check the claim rather than trust it.
- Statute for requirements. Dealer obligations get cited to the state's own code and to its motor vehicle agency. Where a widely repeated requirement is not in the statute, we say that too, and one such figure is called out by name on the Texas page.
- No premium figures. There are none on this site. The cost guides explain the inputs that produce a quote instead, which is the part you can influence.
An agent network is in progress. When it opens, this page will describe how it works and how we are paid. Until then this is a reference: read the part that matches your operation and take it to a licensed agent.
Who runs it
InsuredGarage.com is published by Insured Brand Group and edited by Ryan England. It is one of several trade-specific sites under Insured Brand Group.
I came to this from six years working alongside the marketing team of a multi-state auto insurance company, which is a useful place to learn how coverage is priced and distributed, and an even better place to notice how much insurance content is produced without anyone reading a policy form.
The pages are drafted by the InsuredGarage.com editorial team and checked by me against their sources before publication: the transportation or occupations code, the state motor vehicle agency, the IRMI entry, the form analysis. Anything that could not be traced does not run, including a specific dealer liability limit that circulates widely and appears in no Texas statute or rule we could find.
I hold a General Lines property and casualty license, number 3552440, from the Texas Department of Insurance. It is the reason the garagekeepers pages here describe what the form does instead of what a brochure says it does.
I am not selling from this site. InsuredGarage.com does not quote, bind, or sell coverage, Insured Brand Group is not an insurance agency, and this site is not insurance advice. It is educational. When the matching service opens, it connects you with independent licensed agents who write garage risks, and the policy comes from them.
What we are not
- Not a carrier. We do not underwrite or issue policies.
- Not an agency. Nobody here is a producer, in Texas or in any other state.
- Not advice. Everything here is educational. Your coverage decisions belong with a licensed professional who has seen your operation.
Insurance referenced on this site is offered and sold by independent licensed professionals, responsible for their own compliance, quotes, and policies.
Why the auto trade
Because it is split down the middle and almost nobody writes for both halves. Dealers are told what to carry: a licensing statute names the coverage, or a bond, or both, and the state will not issue the license without proof. Repair shops are usually told nothing at all, and buy coverage because of the exposure, the lease, and the customer, with no form to satisfy. Two businesses on the same street, two completely different conversations.
So the site runs both. The dealer branch, license conditions, the bond and who it protects, and plates as liability in motion, starts at the dealer hub. The shop branch, where nobody hands you a required limit, is at shop types. The coverages both halves share are at coverage, and how the price is actually assembled is in the guides.
Texas is first, because that is where the first agent relationships are being built, and Texas turns out to be an instructive case: the license asks for a bond and the road asks for coverage. That is on Texas garage liability insurance.
Privacy and compliance
This site honors the rights the California Consumer Privacy Act, the Texas Data Privacy and Security Act, and the applicable federal rules give you, opting out of data sales among them. The mechanics are in the Privacy Policy, with the Terms of Service alongside it.