Garage & Dealer Program
The Garage and Dealer Program covers used auto dealers and garage operators. Virtually all needed lines of coverage are available. This program offers very broad coverage for most business that offer garage services and car dealers.
Successful group classes of business
- Auto dealers and repair
- Motorcycle dealers and repair
- Recreational vehicle dealers and repair
- Full service gasoline stations (including convenience stores)
- Heavy truck dealers and repair
- Car washes
- Valet parking
- Body shops
- Tire dealers
- Parking lots and garages
Additional Coverages Include
- Uninsured and underinsured motorist coverage
- Personal injury protection
- Medical payments - "auto" and "garage locations and operations"
- Broad form products
- False pretense
- Personal injury liability
- Fire legal liability
- Broadened coverage - garages
- Additional insured
- Waiver of subrogation
- Dealers errors and omissions -"Truth in Lending," "Federal Odometer," "Title" and "Insured Agents"
Garage Liability Limits - Up To
- $1,000,000 auto - each accident
- $1,000,000 other than auto - each accident
- $3,000,000 other than auto - aggregate
Garage keepers coverage is also available on a legal liability, direct primary and direct excess basis. Limits are available up to $1,000,000 per lot and $150,000 per vehicle.
Maximum dealers' open lot limits may vary by state and range from $500,000 to $1,000,000. The per vehicle limit available is $150,000.
