Why Us? Because We specialize in Garage and Dealers

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These terms are similar, but refer to different coverages.  

Garage Keepers covers damages to a customers vehicle.

Garage Liability covers property damage, bodily injuries and overall liability caused by the operation of a garage business.  

For example your mechanic is test driving a customers car and is at fault in an accident that injures another driver and damages their vehicle.  

Garage Keepers covers damages to your customers vehicle the mechanic is driving. 

Garage Liability covers the cost associated with the accident and resulting liability: property damages, court costs, judgements, settlement, etc.  

Where as most Local and National carriers can write Garage Keepers and Garage Liability policies, reletively few will write Dealerships due to the higher loss exposure.

Dealer Physical Damage:  Often refered to as "Open Lot Coverage", provides protection of Dealer Inventory.  Coverage includes damage in a collision when driven by an employee and/or customers on a test-drive.  It also covers losses due to theft.

Dealer Liability:  Many Carriers will write Dealer policies with overall  coverages mirroring their Garage Liability coverages. Dealers are rated higher due to the added exposures including test drives by customers.

Covers the equipment, furniture, fixtures and inventory that you own, use or rent inside your workspace. Basically, it covers almost everything except what is permanently afixed to the building.

Employee Tools and Property of Others.

Be sure to add "Property of others" or Employee's Tools" Endorsement to ensure your employees tools are covered. 

Provides benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time and more.  

Pays for damages if the at-fault driver does not have adequate coverage or flees the scene of the accident. 

Covers the cars, trucks, and vans used in conducting your business. 

Hired coverage means you have coverage when you or an employee drives a rented, leased or borrowed vehicle for business use  

Non-owned auto applies to employees using their own vehicle for business.  It provides extra coverage over the employee's personal auto coverage for bodily injury and property damage liability. 

Property that belongs to someone else will qualify as Property of Others only if it's in your care, custody or control.

Life insurance policy that a company purchases on the life of an owner, a top executive, or another Key individual considered critical to the business. The company is the beneficiary of the policy and pays the premiums.

Actual Cash Value is the depreciated value

Replacement Cost is the amount of money a business must currently spend for replacement.