Auto Service Business Owner Insurance
Businessowners PLUSContact Us
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)
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
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
Tire Dealers (no used tire sales)
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.