Auto Service Business Owner Insurance

Businessowners PLUS

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Is your insurance coverage stuck in neutral?

Shift into drive with with our Businessowners PLUS Auto Service Program

We offer comprehensive insurance coverage is specifically designed to meet the needs of your auto service business.

Policy coverage highlights include:

Equipment Breakdown Coverage – Our policy protects your garage operation against the breakdown of mechanical, electrical and production equipment due to electrical disruption, power surges and short circuits, as well as steam boiler explosions.

Business Interruption and Extra Expense – actual loss sustained for 12 months

Hired and Non-owned Auto Liability

Hired Auto Physical Damage

Product Defects Coverage

Fences, light poles and lighting equipment included in building coverage.

Garagekeepers’ Legal Liability, Direct Primary or Direct Excess – available as an optional coverage at a limit tailored for your garage operation.

Comprehensive Identity Management Services

Legal Liability for damage to real property caused by an auto - $10,000 per accident

Liability coverage for operation of customer’s auto while on insured’s premises.

Employees’ Tools Coverage - $2,500 per occurrence; limited to $500 for any one employee.

Mechanics’ Errors & Omissions Liability - $25,000 included(higher limits available)

Automatic Coverages*

Accounts Receivable - $15,000

Automatic Liability Coverage for Newly Acquired Garage Premises – 90 days

Business Personal Property Off Premises - $15,000

Damage to Premises Rented to You - $100,000

Electronic Data - $10,000

Employee Dishonesty - $10,000

Fire Department Service Charge - $5,000

Fire Extinguisher Recharge - $5,000

Forgery or Alteration - $2,500

Identity Theft Expense Coverage - $2,500

Increased Cost of Construction - $10,000

Interruption of Computer Operations - $10,000

Medical Expenses - $5,000

Money & Securities – Inside/Outside - $5,000/$2,000

Money Orders & Counterfeit Money - $1,000

Newly Acquired Business Personal Property - $100,000 and 30 days

Newly Acquired Locations – Business Income - $5,000

Newly Acquired or Constructed Buildings - $250,000 and 30 days

Outdoor Signs - $5,000

Personal Effects - $10,000

Valuable Papers & Records – On Premises - $10,000

Valuable Papers & Records – Off Premises - $5,000

Water Back-Up & Sump Pump Overflow - $5,000

Eligible Classes of Business

Auto Electrical Repair Shops

Auto Glass Shops

Auto Sales if:

Incidental to the Overall Auto Service Operation

Receipts are less than 20% of total receipts

The vehicles for sale inventory is less than $100,000

Building or Premises – Lessor’s Rise Only

Detail Shops

Diagnostic Shops

Light Mechanical Repair – with incidental body work.

Muffler, Shock and Brake Shops

Oil and Lubrication Shops

Radiator and Air Conditioning Shops

Seat Cover and Upholstery Shops

Service Stations – with mechanical repair and gas sales

Sound Shops

Tire Dealers (no used tire sales)

Transmission Shops

Tune-Up Shops

Undercoating, Sealing and Rust Proofing Shops

Wheel Alignment Shops – no heavy trucks or frame straightening.

*Insurance coverage can be tailored to provide specific coverages for your auto service operation needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.

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Please note that NO changes to your policy or coverage are binding by submitting Online Forms & Requests. Change requests will only be considered bound upon confirmation from your Broker/Agent.