Automotive Risk Management
   & Insurance Services, Inc.

   Garage Business Program

The program is designed for the following types of Garage Business:

        a.  Dealers involved in the selling and servicing of new and used autos, trucks and truck tractors, RV's and travel trailers.

        b.  Service operations engaged in repairing, towing, servicing, salvaging and valet parking of autos.

        c.  Program is available in most States

Submission Requirements:

1.  Completed Colony Application (Garage Application(G1603-0308), Business Auto Application
      (Acord 127), and Property Section Application (Acord 140).

2.  Completed Supplemental Questionnaires, if required (Auto Auction Questionnaire (G1610-1002), RV Sales or
     Service Questionnaire (G1611-0504), Salvage Yards Questionnaire (G1612-0503), Valet Parking Questionnaire
     (G1609-0407) , Heavy  Vehicle Service Questionnaire (G1614-0407).

3.  Current + 3 Years hard copy loss runs. Operations with less experience or start ups will be considered. Provide documentation on operation and owners experience in the business.

4.  Details on all losses over 10,000.

5.  MVRs for all drivers.

6.  Pictures and diagrams.

7.  Young Driver Questionnaire for each driver age 21 and under. (Acord 93). If necessary.

7.  Medical Statement for each driver over age 70.  (Acord 92).  If necessary.

Submissions should be sent 30 days prior to the anniversary date of the policy. 
Incomplete submissions will not be processed.

Complete submissions received with less than 30 days prior to renewal will be processed on a first come,
first serve basis.

Coverages Available:

Garage Coverage

  Garage Liability (Limits 35,000, 100,000, 300,000, 500,000 and 1,000,000.  Minimum dealers deductible 1,000,
 minimum service deductible 750.

  UM/UIM - Financial responsibility single limit.

  PIP - Statutory minimum single limit.

  Fire Legal Liability - 50,000 limit.

  Scheduled Autos - Liability

  Optional Liability Coverages:

      Broadened Coverage Garage

      Additional Coverage for Related Operations (Automobile Parts & Supplies, Car Washes-Self Service,
     Gasoline Stations-Self Service,

      Mini Mart, Machine Shops, Stores-No Food or Drink)

      Additional Insured (Landlord, Designated, Leased Equipment, Leased Autos, or Franchisor)

      Additional Coverage for Watercraft Liability

      Driver Other Car Coverage - Broadened for Named Individuals (if Named Insured is a Corporation)

      Stop Gap Employers Liability (OH, WA, WY)

      Waiver of Transfer of Rights of Recovery

      Terrorism Coverage for Certified Acts

Garagekeepers Legal Liability

   GKLL - Specified Causes of Loss (max limit per auto 25,000, max limit per location 250,000. 
   minimum deductible 500) (Additional Limits Available)

   GKLL - Collision (minimum deductible 250)

   Optional GKLL Coverages:

      GKLL Direct Primary (limited availability)

      GKLL - Comprehensive

      GKLL - In Transit

       Value Limitation Increase (excess of 25,000)

Physical Damage Coverage

    Specified Causes of Loss (max limit per auto 25,000, max limit per location 250,000. 
    minimum deductible 500) (Additional Limits Available)

    Collision

    Optional Physical Damage Coverages:

       Comprehensive

       Value Limitation Increase (excess of 25,000)

       Drive-Away Miles

       Scheduled Autos - Physical Damage

       False Pretense (limited availability)

Property

 Buildings, Contents and Business Income (monthly limitation).  Basic or Broad Form.  Actual cash valuation. 
500,000 limit per location, minimum deductible 500. (Additional Limits Available)

    Optional Property Coverages:

        Special Form (To qualify buildings must be less than 15 yrs old or recently renovated)

        Replacement Cost

        Sign Coverage

Optional Coverages - Additional applications will be required

    Crime Coverage (Crime Application)

    Employment Practices Liability Coverage (EPLI Application)

    Pollution Coverage (Pollution Application)

    Dealers Errors & Omissions Coverage (Dealers E&O Application)

    Auto Daily Rental (Daily Rental Application)

    Umbrella (Umbrella Supplemental Application)

Garage Risk Selection Guide

Key

A - Acceptable

P - Possible, check with ARM prior to submission

Garage Operations

Key

Comments

Accessories Sales and Installation

A

Add related operations form

Alarm Installation

P

Antique Auto Restoration

P

Auctions

P

Use Auto Auction Questionnaire

Auto Brokers

A

Liability only

Auto Pawn

P

Bedliner Installation

P

Factory trained w/paint room

Body & Paint Shops

A

With separate paint room

Camping Trailer/Shell Sales and Service

A

Use RV Sales/Service Questionnaire;
With theft barriers

Car Wash full service

P

Detailing (Shop or Mobile)

A

Emergency Vehicle Sales and Service

P

No medical equipment

Gasoline Stations with full service or repair

A

Glass-Auto (Shop or Mobile)

A

Harley-Davidson Sales and Service (must be exclusively a Harley shop)

A

With central station alarm; add related 
operations form for parts & accessories 
sales

Horse Trailer Sales and Service

P

With theft barriers

Mechanics (Shop-Auto Repair or Service)

A

Mechanics (Mobile-Auto Repair or Service)

P

Mobility Equipment Sales and Installation

P

Motor Home Sales and Service

P

Use RV Sales/Service Questionnaire;
with theft barriers; add related operations
form for parts & accessories sales

Muffler Shops

A

New Car/Truck Dealers

A

Small dealers in rural setting

Oil/Lube Shop

P

Roadside Assistance (Mechanical or Tire)

P

No auto club affiliation

Salvage Yards Selling “As Is” or used parts

P

Use Salvage Yards Questionnaire; add 
related operations form for parts & 
accessories sales

Semi-Trailer Sales and Service

A

With theft barriers

Stereo Installation

A

With central station alarm

Structural Rebuilders (from Salvage Title)

P

Tire Dealers

A

With central station alarm

Tow Truck Operators (exclusively for hire)

P

Need 3 years hard copy loss runs;
not in Metro area

Travel Trailer Sales and Service

P

Use RV Sales/Service Questionnaire;
with theft barriers

Truck Stops

P

Truck Tractor Sales and Service

A

Drivers must have  a CDL

Upholstery Shops

A

Used Car/Truck Dealers

A

Utility Trailer Sales and Service

A

With theft barriers

Valet Parking Services

P

Use Valet Parking Questionnaire

Van Conversion

P

Vehicle Safety & Smog Inspection Stations

A

No Repair

Wholesale Auto Dealers

A

Take possession & Title

Window Tinting Shops

A

The following risk types are unacceptable: