photo

 Garage Insurance & Auto Body Repair Shop Insurance

 

Sterner Insurance Agency - Apple Valley, MN - Your Auto Body & Repair Shop Insurance Experts

 

 Auto Body/Repair Shop Insurance
 

Common coverages that you can expect from your garage insurance or auto repair shop insurance program may include:

  • Garage Liability Coverage; includes products and completed operations
  • Garagekeepers Coverage
  • Commercial Property Coverage
  • Auto Coverage; includes non-owned and hired auto coverage
  • Equipment & Tools Coverage
  • Equipment Breakdown Coverage
  • Business Interruption
  • Workers Compensation
  • Crime & Theft Coverage

Typical Automotive Service Coverage Summary

Typical Property Coverage includes:

Basic

Enhanced

Optional Higher Limit

Accounts Receivable - On Premises $10,000 $25,000 $500,000
Back Up Sewer and Drain $1,000 $1,000 $5,000
Business Income from Dependent Properties $5,000 $5,000 $250,000
Business Income 18 Months ALS 18 Months ALS Not Available
Business Income Increased Period of Restoration (72 Hour Buy-Back) Not Available Included Not Available
Claims Expense $5,000 $5,000 Not Available
Crime Conviction Reward $5,000 $10,000 Not Available
Debris Removal $10,000 $25,000 $50,000
Electronic Data Processing Equipment Included in BPP Included in BPP Not Available
Employee Tools $3,000 $10,000 $100,000
Equipment Breakdown Not Available Included Not Available
Fire Department Service Charge $1,000 $5,000 Not Available
Fire Extinguisher Recharge $5,000 $5,000 Not Available
Glass Coverage Included Included Not Available
Increased Cost of Construction $10,000 $10,000 Not Available
Lock Replacement $100/$5,000 $100/$10,000 $100/$25,000
Newly Acquired Buildings $250,000 $500,000 Not Available
Outdoor Property (Trees/Shrubs/Plants) $2,500 $2,500 $25,000
Outdoor Signs $2,500 $7,500 $50,000
Personal Property Off Premises $5,000 $5,000 $50,000
Personal Property at Newly Acquired Premises $100,000 $250,000 Not Available
Premise Boundary 100' 1000' Not Available
Preservation of Property 30 days 60 days Not Available
Valuable Papers (On Premises) $10,000 $25,000 $500,000

Crime Coverages:

Basic

Enhanced

Maximum Limit

Employee Dishonesty $1,000 $5,000 $500,000
Forgery and Alteration $2,500 $2,500 Not Available
Money and Securities $5,000 $10,000 $50,000
Money Orders and Counterfeit Papers $1,000 $1,000 Not Available

Garage Operations and Liability Coverages

Basic

Enhanced

Maximum Limit

Broadened Coverages Included Included Not Available
Contractual Liability Included Included Not Available
Fire / Tenants Legal Liability ($100,000 limit) $100,000 $100,000 $1,000,000
Host Liquor Liability Included Included Not Available
Medical Payments ($5,000 per person) Included Included Not Available
Non Owned Auto Liability Included Included Not Available
Owners Protective Liability Included Included Not Available
Personal and Advertising Injury Included Included Not Available
Premises and Operations Included Included Not Available
Products and Completed Operations Included Included Not Available
Supplemental Payments ($250 / day limit) Included Included Not Available

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Auto Body & Repair Shop Insurance policy holders.