Non-Dealer’s Garage Liability
Our underwriting team has a wealth of experience providing Non-Dealer’s Garage Liability solutions for hard-to-insure businesses.
With Aspera, you will receive a customized underwriting process to deliver competitive solutions fast.
We deliver a quote within 48 hours for 75% of the submissions we receive!
Non-Dealer’s Garage Liability
Target Classes
- Alarm installation and repairs
- Automotive glass replacement and glass tinting
- Automotive oil changes and lubrication shops
- Body & paint shops
- Construction & farm equipment service
- Dry-docked boat services
- Full-service car wash and car detailing
- Gas station with repair operations
- General automotive repair and service
- Mobile auto detailing
- Mobile mechanic and roadside assistance
- Valet parking on insured’s premises
Policy Structure
- Full Garage Liability for non-dealer service and repair operations with Garagekeepers coverages
- Occurrence basis of coverage
- Employee Benefits Liability
- Stop Gap Liability
- Minimum premiums starting at $1,500
- Deductibles starting at $500 for “Covered Autos,” “Other Than Covered Autos,” and Garagekeepers
Availability
You can get coverage from us in these states:
- Alabama
- Arizona
- California [Lic. 0K86725]
- Colorado
- Florida
- Georgia
- Louisiana
- Maine
- Michigan
- Mississippi
- Nevada
- Oregon
- South Carolina
- Texas
- Virginia
- Washington
Company Highlights
Here are a few services you can expect when working with us:
- Quick responses and quotes, often within 24 hours
- 24-hour policy issuance
- Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
- ACORD Commercial Insurance application
- Garage Liability application with a complete description of operations
- Supplemental application where appropriate, signed and dated by the insured when bound
- Five-year currently-valued loss runs with a description provided for losses over $25,000
- Website information