Retail Service Station: Products
> Automotive Repair Garage
An Automotive Repair Business is 100% repair service with no gasoline sales. A typical Auto Repair Garage will be a Major Brand and/or franchised repair shop that is leased from the Franchise owner. The building will be leased and the insured is not responsible for providing building coverage. This is the preferred risk since the Franchise owner handles all building maintenance and upkeep promptly. The insured may also own the property rather than leasing from a franchise owner. Owner/operator must have five year's experience, or repair shop must be primarily staffed by certified mechanics.
Eligible Operations for Automotive Repair Garage Program
- Quick Lube Centers - Preferred are those with major brand affiliation such as Pennzoil QuakerState and Jiffy Lube.
- Transmission Shops
- Tune-Up Shops/Auto Mechanical Repair (not major repairs)
- Auto Glass Repair (residential or off-site glass repair is not eligible)
- Muffler Shops
- Brake Shops
- Auto Parts Stores (Machine Shop exposures are not eligible)
- Auto Body Shops
Owned Automobiles
This program is designed to provide insurance for those vehicles used to service the insured operation. Coverage is only available for owned or long term leased automobiles. Automobiles must be registered in the name of the insured if an individual, in the name of a partnership, or in the corporate name if a corporation.
Ineligible Automotive Repair Garage Exposures
This list does not include ALL ineligible exposures; for more information you would need to contact AMC.
- Any risk that sells autos, RVs, watercraft, motorcycles or any other similar vehicles, whether new or used
- Risks that have unrestrained dogs in the yard during working hours and/or not kept within a chained secured lot during non-working hours.
- Frame repair shops
- Any risk doing customization or alterations to vehicles such as sunroofs, roll bars, upholstery work, etc.
- Radiator repair shops
- Repair on high value autos, trucks (other than pick up trucks), and marine engines
- Tire Stores/distributors or any risk that recaps tires or sells recapped tires. Volume sales of used tires are prohibited and products coverage for used tires will be excluded.
- Any auto leasing or rental operations. **Operations which represent national organizations (Ryder, U-Haul, etc) could be eligible but must be approved by underwriter.
- Repossession, storage or junkyard operations for wrecked or disabled vehicles.
- Any risk requiring dealer tags (Transporter and repairer tags are permissible on an EXCEPTION basis).
- Any risk that sells propane gas or does any type of repair to propane equipped vehicles.
- Auto repair shops that repair commercial large trucks (20,000 - 25,001 GVW or greater), farm vehicles or equipment, or industrial equipment.
- Any risk that repairs boats, motorcycles, recreational vehicles, large trucks (25,001 GVW or higher), or vehicles valued at $50,000 or over or does
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