AUTO SALES & SERVICE
We have been insuring auto dealers and repair facilities since 1998.
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Auto Dealers
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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:
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Auto Use Liability
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General & Premises Liability
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Personal & Advertising Injury
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Products/Work Performed Liability
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Physical Damage Insurance
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Truth in Lending
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Odometer Disclosure Liability
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False Pretense Coverage
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Dealers Errors & Omissions
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Dealer License Bonds
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Auto Service & Repair
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Garage Liability-Protects your business from liabilities like damages caused by faulty work.
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Garagekeepers Liability-Protects your business from liabilities like damage to customer's vehicle while in your car, custody, and control.
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Building & Equipment Coverage
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Workers Compensation Coverage
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Pollution Liability Coverage
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A word or two about gaps in business auto insurance.
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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.
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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.
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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.”
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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.
