Insurance Coverage for Dealers, Contractors & Licensed Businesses
From garage liability to workers’ comp, Ashton Agency places the coverage your business is required to carry — backed by real, US-based people who pick up the phone when something goes wrong.
What We Cover
Ashton Agency has placed insurance coverage for dealers, contractors, and licensed operators for 60 years — the same relationship-first approach we bring to surety bonds. We shop your risk across multiple carriers and match you with coverage that actually fits how your business runs, not a one-size-fits-all policy.
Right now our book runs deepest in garage liability for auto dealers, but we place coverage across five main categories:
Garage Liability Insurance
Built for auto dealers and garages — covers bodily injury and property damage arising from your lot, your test drives, and your operations.
- Bodily injury & property damage (CSL)
- Personal injury protection & uninsured/underinsured motorist
- Medical payments coverage
- Optional: physical damage (comprehensive & collision)
- Optional: garage keepers legal liability
Contractor Insurance
General liability and licensing-required coverage for general, residential, HVAC, electrical, and specialty contractors.
Get a Contractor Quote →Commercial Insurance
General business coverage for licensed operators who need more than a standard policy provides.
Get a Commercial Quote →Professional Liability Insurance
Errors & omissions coverage for licensed professionals whose advice or service carries real financial exposure.
Get a Professional Liability Quote →Workers’ Compensation
Required coverage for businesses with employees — we place it alongside your other lines so nothing falls through the cracks.
Get a Workers’ Comp Quote →Why Choose Ashton for Insurance?
60 years in this market
We’ve placed coverage for dealers and licensed businesses since 1966 — long enough to know how your state’s requirements actually work in practice.
A real person on the account
Modern tools, but a known, US-based team behind every policy — the same people you’d call for your bonds.
Multiple carriers, one call
We shop your risk across carriers instead of pushing one option, so you’re not stuck with the first quote.
Bonds & insurance, one relationship
Most of our clients carry both through us — one point of contact instead of juggling separate agencies.
Frequently Asked Questions
What’s the difference between a bond and insurance?
A surety bond guarantees you’ll follow the law or your contract — if you don’t, the surety pays the claim and then you owe it back. Insurance protects you directly — if a covered loss happens, the insurer pays and you don’t owe it back. Many licensed businesses, especially auto dealers, are required to carry both.
Do I need garage liability insurance to sell cars?
Most states require some form of garage liability or general liability coverage to operate a licensed dealership, separate from your dealer bond requirement. Requirements vary by state — we can confirm what your state requires when we quote your policy.
Can Ashton place both my bond and my insurance?
Yes — most of our dealer and contractor clients carry both through us. It’s one relationship and one team instead of splitting your coverage across separate agencies.
How fast can I get a quote?
Submit the form below and a member of our team will follow up with a quote, usually the same business day.
Get an Insurance Quote from Ashton Agency
Tell us a bit about your business and what you need covered — we’ll follow up with a real quote, usually same day.