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Insurance Products

The product pages provide a brief overview of the many different types of accounts we can help you place.  Select a product from the left to learn more about it.  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.

Service Garage

This program is intended to provide auto liability, general liability, garagekeepers 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
Guidelines
Applications
  • 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
    Auto physical damage
    Garagekeepers
    General liability
    Optional package coverage such as property / inland marine

  • Underwriting

    Important underwriting points are:

    • Please use our garage application
    • Note that we have several types of supplements available depending upon the type of risk:
      • Use heavy vehicle repair supplement for truck and commercial vehicle repair
      • Use auction supplement for auto auctions
      • Use repossession supplement for repossession accounts (see separate repossession product guide)
      • Use salvage yard supplement for salvage and auto dismantling accounts
      • Use RV / camper supplement for camper repair / dealers
      • Use valet supplement for valet parking risks
      • Use motorcycle supplement for motorcycle repair accounts
    • 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

    Prohibited

    • Risks that are engaged in high performance engine work, racing
    • Risks that are heavily involved in ATV, off road type vehicles
    • Risks that build vehicles

    Available In

    • Illinois
    • Indiana
    • Kentucky
    • Michigan
    • Ohio
    • Pennsylvania
    • West Virginia
  • Auto Dealer and Service Garage Application
    or
    Auto Dealer and Service Garage Application (Excel)
    Appropriated state UM / no fault option forms
    Garage supplements as needed (see above)