Garage

The product pages provide a brief overview of the many different types of accounts we can help you place. If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.

This program is intended to provide auto liability, general liability, garage keepers as well as other package coverage for non-dealer garage risks. These would be accounts such as auto repair shops, mobile repair mechanics, auto towing accounts, salvage yards with no vehicle sales, and many other types of auto service type accounts where vehicles are not sold.

Coverages

General liability

Auto liability – this can be just for non-owned customer’s autos OR include owned autos of the insured such as service trucks, tow trucks and rollbacks

Auto medical payments

PIP or state equivalent

Uninsured Motorist/Underinsured Motorists

Auto physical damage

Garagekeepers

Optional package coverage such as property / inland marine

Guidelines

Underwriting

Important underwriting points are:

Please use our Auto Dealer and Service Garage Application

Note that we have several types of supplements available depending upon the type of risk:

Use Specialty Vehicle Supplement for truck, motorcycle, equipment repair
Use Repossession Supplement for repossession accounts (see separate repossession product guide)
Use Salvage Yard Supplement for salvage and auto dismantling accounts
Use Valet Supplement for valet parking risks

Even though we may not be covering any owned autos we still need driver information for all employees, including the owner and any clerical staff

Give us a good description of the types of repairs and work being done

Be prepared to furnish loss runs if we request