AUTO SALES & SERVICE

Smiling Mechanic

We have been insuring auto dealers and repair facilities since 1998. 

Auto Dealers

We can tailor an auto dealers policy for you based on your needs and exposure. Our packaged policies include all the essential lines of coverage including: 

  • Auto Use Liability 

  • General & Premises Liability 

  • Personal & Advertising Injury

  • Products/Work Performed Liability

  • Physical Damage Insurance

  • Truth in Lending

  • Odometer Disclosure Liability

  • False Pretense Coverage

  • Dealers Errors & Omissions

  • Dealer License Bonds

Auto Service & Repair

  • Garage Liability-Protects your business from liabilities like damages caused by faulty work.

  • Garagekeepers Liability-Protects your business from liabilities like damage to customer's vehicle while in your car, custody, and control. 

  • Building & Equipment Coverage

  • Workers Compensation Coverage

  • Pollution Liability Coverage

A word or two about gaps in business auto insurance.

  • If you furnish a car to an employee for both business and personal use, and that employee doesn't  carry any personal vehicle insurance of their own, then you will have a gap in coverage should they be personally held liable for collision damage. This is where we offer a Drive Other Car endorsement. 

 

  • Do your employees drive their personal vehicle during the course of their employment. For example, on the way home, your manager stops by a client’s office to leave a product sample. Without proper Non-Owned or Any-Auto endorsements you could have a serious gap in coverage. 

  • If you fail to take reasonable steps to ensure that your employee is qualified to drive or if you allow someone to drive whom you know has a poor driving record, and that person causes an accident, you could be liable for “negligent entrustment.”

If you are new in business, have a free consultation with us about properly insuring your business exposures. If you already have a commercial insurance policy, see us for a review of your current coverage and recommendations backed by 25+ years of insurance experience. 

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