What’s legally required
Workers’ compensation is the most common statutory requirement — most states require it once you have employees, though the thresholds differ. Some states also impose garage or financial-responsibility requirements tied to your repair or dealer license. These rules are set by each state; the specifics for your location should be confirmed against your state’s regulator.
What’s contractually required
Even where the law doesn’t require it, a landlord, franchisor, or lender often requires garage liability and garagekeepers at specified limits. Check your lease and any dealer or fleet agreements.
By state
Requirements and this program’s availability both vary by state. See states for where we write, or start a quote.