As a garage and auto body & repair shop owner, you require a specific insurance program that can effectively address the unique risks your business faces on a daily basis. At our agency we understand how important securing the best possible coverage is.
At our agency we will help you pinpoint your garage’s potential risk exposures. We then work with you directly to custom-build the perfect garage insurance or auto repair shop insurance policy that meets your distinct needs.
Common coverages that you can expect from your garage insurance or auto repair shop insurance program may include:
- Garage Liability Coverage; includes products and completed operations
- Garagekeepers Coverage
- Commercial Property Coverage
- Auto Coverage; includes non-owned and hired auto coverage
- Equipment & Tools Coverage
- Equipment Breakdown Coverage
- Business Interruption
- Workers Compensation
- Crime & Theft Coverage
| Typical Property Coverage includes: |
Basic |
Enhanced |
Optional Higher Limit |
| Accounts Receivable - On Premises |
$10,000 |
$25,000 |
$500,000 |
| Back Up Sewer and Drain |
$1,000 |
$1,000 |
$5,000 |
| Business Income from Dependent Properties |
$5,000 |
$5,000 |
$250,000 |
| Business Income |
18 Months ALS |
18 Months ALS |
Not Available |
| Business Income Increased Period of Restoration (72 Hour Buy-Back) |
Not Available |
Included |
Not Available |
| Claims Expense |
$5,000 |
$5,000 |
Not Available |
| Crime Conviction Reward |
$5,000 |
$10,000 |
Not Available |
| Debris Removal |
$10,000 |
$25,000 |
$50,000 |
| Electronic Data Processing Equipment |
Included in BPP |
Included in BPP |
Not Available |
| Employee Tools |
$3,000 |
$10,000 |
$100,000 |
| Equipment Breakdown |
Not Available |
Included |
Not Available |
| Fire Department Service Charge |
$1,000 |
$5,000 |
Not Available |
| Fire Extinguisher Recharge |
$5,000 |
$5,000 |
Not Available |
| Glass Coverage |
Included |
Included |
Not Available |
| Increased Cost of Construction |
$10,000 |
$10,000 |
Not Available |
| Lock Replacement |
$100/$5,000 |
$100/$10,000 |
$100/$25,000 |
| Newly Acquired Buildings |
$250,000 |
$500,000 |
Not Available |
| Outdoor Property (Trees/Shrubs/Plants) |
$2,500 |
$2,500 |
$25,000 |
| Outdoor Signs |
$2,500 |
$7,500 |
$50,000 |
| Personal Property Off Premises |
$5,000 |
$5,000 |
$50,000 |
| Personal Property at Newly Acquired Premises |
$100,000 |
$250,000 |
Not Available |
| Premise Boundary |
100' |
1000' |
Not Available |
| Preservation of Property |
30 days |
60 days |
Not Available |
| Valuable Papers (On Premises) |
$10,000 |
$25,000 |
$500,000 |
| Crime Coverages: |
Basic |
Enhanced |
Maximum Limit |
| Employee Dishonesty |
$1,000 |
$5,000 |
$500,000 |
| Forgery and Alteration |
$2,500 |
$2,500 |
Not Available |
| Money and Securities |
$5,000 |
$10,000 |
$50,000 |
| Money Orders and Counterfeit Papers |
$1,000 |
$1,000 |
Not Available |
| Garage Operations and Liability Coverages |
Basic |
Enhanced |
Maximum Limit |
| Broadened Coverages |
Included |
Included |
Not Available |
| Contractual Liability |
Included |
Included |
Not Available |
| Fire / Tenants Legal Liability ($100,000 limit) |
$100,000 |
$100,000 |
$1,000,000 |
| Host Liquor Liability |
Included |
Included |
Not Available |
| Medical Payments ($5,000 per person) |
Included |
Included |
Not Available |
| Non Owned Auto Liability |
Included |
Included |
Not Available |
| Owners Protective Liability |
Included |
Included |
Not Available |
| Personal and Advertising Injury |
Included |
Included |
Not Available |
| Premises and Operations |
Included |
Included |
Not Available |
| Products and Completed Operations |
Included |
Included |
Not Available |
| Supplemental Payments ($250 / day limit) |
Included |
Included |
Not Available |
|
