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

a.

b.

c.

Submission Requirements:

1.

2.

3.

4.

5.

6.

7.

8.

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.
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