Designed to protect against a variety of liabilities regularly faced by dealers and repair shops, our garage liability policies cover a large array of different service risks.
Our target classes range from small to medium-sized and include:
- Auto Dealers – Private Passenger Autos
- General Auto Maintenance and Repair – Private Passenger Autos
- Heavy Truck Sales
- Heavy Truck Repair
- Upholstery Shops
Who Benefits?
This coverage is ideal for businesses with physical locations such as a garage, parking lot or storage area used to repair or store vehicles.
- Automotive repair shops
- Tow or impound lots
- Muffler shops
- Transmission shops
- Dealerships
Liability limits up to $1,000,000/$3,000,000
In-house physical damage/garage-keepers lot limit up to $1,000,000 with higher limits available
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OUR TARGET CLASSES RANGE FROM SMALL TO MEDIUM-SIZED AND INCLUDE:
Auto Dealers – Private Passenger Autos
General Auto Maintenance and Repair – Private Passenger Autos
Heavy Truck Sales
Heavy Truck Repair
Upholstery Shops
| Coverage | Limits |
|---|---|
| Covered Autos Liability | $1,000,000 |
| General Liability BI and PD | $1,000,000 |
| Damage to Premises Rented to You | $300,000 |
| Personal and Advertising Injury | $1,000,000 |
| General Liability Aggregate | $3,000,000 |
| Products and Work You Perform Aggregate | $3,000,000 |
| Locations and Operations Medical Payments | $5,000 |
| Acts, Errors or Omissions Liability | $50,000 |
| Auto Medical Payments | $5,000 |
| In-House Physical Damage Lot Limit | $1,000,000* |
| In-House Garagekeepers Lot Limit | $1,000,000* |
| Per auto limit (less than 26,000 lbs. GVW) | $65,000 |
| Per auto limit (26,000 lbs. GVW or greater) | $150,000 |
| False Pretense | $50,000 |
| Garagekeepers In-Transit | $150,000** |
Minimum Premiums: $500 for Service Risks, $750 for Dealers