Auto Repair and Service
GARAGE LIABILITY AND GARAGE KEEPERS LIABILITY
Protection for covered losses caused to customers’ autos in your care, custody and control.This coverage is designed to offer protection for your customers’ autos while you are attending, servicing, repairing, operating or storing the autos.
Loss or Damage to Customer’s Autos is offered on either a Direct Primary or Legal Liability basis as described below.
Auto Service Risks-Loss or Damage To Customers' Autos (Direct Primary Coverage) - This endorsement provides primary coverage for damage to customers' autos under the Building And Personal Property Coverage without regard to fault, or the availability of the customer's own auto insurance to pay for loss. The customers' autos and auto equipment must be in the care, custody or control of the named insured being attended, serviced, repaired, operated or stored. It pays only for damage that occurs on the covered premises or while temporarily away from it.The perils covered are any cause of loss except for the following:
1) Loss or damage from theft or conversion caused by the named insured, partners, executive officers or employees;
2) Defective parts or materials;
3) Defective work performed by or for the named insured.
Auto is defined in the endorsement as a land motor vehicle, trailer or semitrailer.
Deductibles apply to:
1) Loss or damage to customers' vehicles from theft, vandalism or mischief;
2) Loss or damage from collision.
Loss or Damage To Customers’ Auto (Legal Liability) - This endorsement is identical to Auto Service Risks-Loss or Damage To Customers' Autos (Direct Primary Coverage) except this coverage is limited to only the named insured's legal liability for the covered property. An exclusion for loss due to contractual obligation is added and a list of supplementary payments that are outside the limit of insurance is provided.
COMMERCIAL PROPERTY - Details
GENERAL LIABILITY - Details
ADDITIONAL COVERAGES TO CONSIDER
This coverage pays to repair or replace mechanical or electrical equipment due to mechanical breakdown.
This coverage provides protection against loss of income, or profits due to property loss or damage from a covered peril, such as a fire, windstorm or natural disaster.It can also compensate you for rental income you receive from property you own and rent/lease to others. Payroll is also included in your continuing normal operating expenses.
This coverage compensates you for additional expense needed to avoid or minimize the “suspension” of business and to continue “operations”.
Hired Auto Liability – This insurance provides coverage for “bodily injury” or “property Damage” arising out of the maintenance or use of a “hired auto” by you or your “employees” in the course of your business.
Non-Owned Auto Liability
The insurance applies to "bodily injury" or "property damage" arising out of the use of a "non-owned auto" by any person in the course of your business.
Many additional and enhanced coverages are provided including Money and Securities, Employee Dishonesty, Outdoor Signs, Employee Tools at Described Premises, Fire Extinguisher Systems Expenses, Reward Payment Money Orders and Counterfeit Money, Forgery and Alterations just to name a few.