Are you an auto dealer or an auto body company looking for Liability, Garage Keepers and Property insurance?  It can be pretty complicated and pricey!  There are some new programs in Denver that have taken a lot of the concerns away.  Clients often ask, “why would I want to carry coverage on a car if the owner already has insurance?”  The answer is simple.  Third party liabilyt may be excluded from the owners current personal lines auto policy.  In addition, if your company is to cause bodily injury or property damage to the owners auto, the responsibility is on the garage!   Eligible Operations