(minimum $5,000 annual premium)
A Special Insurance Program Designed Exclusively for Auto Service Related Business
Program Highlights:
- Complete insurance protection
- Special coverage available
- Independent agency/brokerage representative
- Claims service from a recognized third party administrator (TPA)
- Financially strong companies
- Reduced costs
- Professional services
We are proud to tell you about the "AutoServiceGuard" in combination with the insurance companies, all A.M. Best rated "A" Excellent.
The "AutoServiceGuard" is a special niche Commercial Insurance Program designed around the specific needs of the "after sale" automotive insurance industry and provides all property and casualty coverages normally required by the typical account. We, however, do not offer Workers Compensation insurance.
Coverages:
The following are some of the coverages available in the program:
- Garage Liability and/or General Liability
- Garage Keepers Insurance
- Commercial Business Auto Liability and Physical Damage
- Personal Injury Liability
- Contractual Liability
- Buildings
- Furniture, Fixtures, Machinery and Equipment
- Gas Pumps and Tanks, Gas in Ground
- Employee Tools
- Business Income Insurance
- Leasehold Improvements
- Stock of Merchandise
- Crime
- Accounts Receivable
- Plate Glass and Neon Signs
- Employee Benefit Programs Liability
- Fellow Employee
- Employee Practices Liability
- Umbrella Liability
- Special Coverages
Availability, Eligibility and Minimum Requirements:
The "AutoServiceGuard" is available in all states except Arizona and Hawaii. The minimum account premium is $5,000. The average account premium is between $10,000 and well over $100,000. If an agent happens to represent one of the carriers, the "AutoServiceGuard" will not be available to the agent directly from the carrier or another intermediary as this program is an exclusive product.
The "AutoServiceGuard" is available for the following classes of business:
- Automobile Service Stations
- Auto Repair
- Auto parts stores: wholesale or retail
- Tire stores - excluding products coverage for tire recapping
- Self Service Gas Stations with Mini-Mart
- Auto air conditioning shops
- Auto mechanical repair
- Body and fender repair
- Auto glass installation and repair
- Muffler installation
- Quick change lube shops
- Trailer repair - boat and/or utility
- Auto paint and/or upholstery shops
- Transmission shops
- Truck repair
- Auto beauty shops
Non-eligible Businesses:
The following classes or risks are not eligible for this program. This is a representative list and not all inclusive:
- "Auto sales - new or used (see our "Car Pac" and "Truck-Pac" Program)"
- Boat repair
- Free standing car washes with delivery
- Motorcycle and ATV repair
- RV repair
- Auto rental and/or leasing
- Used auto parts stores or yards
- Salvage yards
- Impound storage lots
- Auto valet service
We do not provide Workers Compensation insurance.
Additional Guidelines:
All eligible premises, coverages and property should be insured under the program policy(ies). A special application must be used.
Submit Business/Become an Agent:
Your agency/brokerage must be appointed in order to submit business for this program. The "AutoServiceGuard" has its own application.
Click here for more information on how to become an agent/broker of this program.
The AutoServiceGuard is a special niche Commercial Insurance Program designed around the specific needs of the "after sale" automotive insurance industry and provides all property and casualty coverages normally required by the typical account.
