Our Garage Insurance program is specifically designed to meet the needs of today’s car, boat, ATV and farm implement dealers and repair shops.
Your customers trust you for quick and quality service - when it’s time for you to make important insurance decisions, shouldn’t you expect the same from your insurance agent?
A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts.
This blanket coverage will cover physical damage to your vehicles, watercraft and equipment owned my your dealership.
Don’t let the term “inland marine” confuse you. As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses.
This coverage will ensure that you are covered for the customer vehicles that you are working on in the shop.
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
As the name implies, an umbrella liability policy provides coverage over and above your other liability coverages. It is designed to protect against unusually high losses, when the policy limits of one of the underlying policies have been used up.
Tools & Equipment
The purpose of property insurance for the small business is to provide critical financial assistance in the event of a loss, so that the enterprise can continue to operate with as little disruption as possible.
This coverage will make sure that you are covered for the tools that you have, helping you complete the job and ensuring the business continues to keep running.