Garage Liability vs. Garagekeepers vs. Dealer Inventory
Garage liability is the CGL equivalent for auto dealers and repair shops — it covers premises liability, completed operations, and products (like an installed part that fails). Garagekeepers legal liability (GKLL) protects customer vehicles in your care, custody, or control while at your shop. Dealer inventory (open-lot) coverage protects your own inventory sitting on the lot — comp, collision, and fire on every VIN you own. These three form the core of a Missouri auto dealer policy. Missing any one creates a major uninsured gap. On mobile mechanics we adapt the structure — GKLL follows the vehicle to the customer’s driveway, and garage liability replaces premises-based CGL.
Missouri Dealer Surety Bond
Every licensed Missouri auto dealer must post a $25,000 surety bond with the Missouri Department of Revenue at license issuance and each renewal. dealoutlaws.com issues the bond in-house at rates starting around $250/year for qualified applicants — no separate carrier, no waiting, and no bond service running your credit twice. We also handle renewals automatically so your dealer license never lapses on paperwork alone.
Test Drives, Consignment, and Wholesale
Test-drive coverage is built into most garage policies but often sub-limited or restricted by geography. We push for full auto-liability limits during customer test drives ($100K minimum, $500K on high-value lots). Consignment vehicles (owned by someone else but on your lot) need a specific consignment endorsement — a routine claim on consigned vehicles gets denied without it. Wholesale dealers moving inventory between auction and lot need in-transit coverage extending across state lines. On all three we build the endorsement stack around your actual business model — retail, wholesale, consignment, or a mix.
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