
What Does Our Policy Offer?
Our Garage form combines coverages found in the Commercial Auto and General Liability forms in order to address the unique needs of your clients.
- Liability limits up to $1,000,000 each accident with $3,000,000 aggregate
- $2,000,000 limit available for the TIV of Garagekeepers and/or Dealers Physical Damage.
- Higher liability limits and additional TIV can be considered
- Broadened coverage endorsement included at no charge
- Endorsements available for additional interests, including: Additional Insureds/blanket Additional Insureds, Primary & non-contributory wording, and Waiver of subrogation
- Broad range of vehicle types considered
- Single vPak policy available when writing with general liability and/or professional liability.
TARGETED RISKS
Service & Repair Shops
- Service & repair - autos, motorcycles, commercial trucks, emergency vehicles and recreational vehicles
- Conversions - food trucks, mobility
- Auto restoration - classic cars
- Impound lots
- Salvage yards
- Valet parking
- Coverage available for Broad Form Products
Licensed Dealers
- Non-franchised used car dealers
- Motorcycle dealers
- Commercial truck dealers
- Emergency vehicle dealers
- Recreational vehicle dealers
- Drive-away collision offered with 300 miles, with increased miles available
- Coverage available for Errors & Omissions, Drive Other Car and False Pretense
Also Considered
- Contractors & agricultural equipment
- Watercraft (when ashore)
- Service autos in conjunction with a garage operation
- Miscellaneous auto types (e.g., golf carts, street sweepers)
PREFERRED CHARACTERISTICS
- Located in a favorable legal venue
- In business at least 3 years or new ventures with prior automotive industry experience
- Use a website to inform the public on the services and products they provide
- Valid license; MVR free of frequent and severe incidents
- A history free of frequency and severity of loss
- Operations within our target market & incidental operations less than 25%