A myriad of exposures are present within a garage operation hitting nearly every major commercial insurance exposure from property through liability and bailment risk. Following is a brief synopsis of the information underwriters will require when placing garage protection:
Type of vehicles sold or repaired (autos, motorcycles, boats, motor homes, trailers, etc.):
List of vehicles owned by the insured:
List of drivers (and classification):
Is towing done? If so, for whom:
Are the tow trucks on a jurisdictional "rotation" (do they pick up for city, county, town, etc.)?
Are any vehicle modifications done by the shop? Describe:
Any spray painting? In an approved booth? If not in a booth, describe spray area?
How much paint kept on site and how stored?
Any tire recapping?
Number of dealer plates:
Is the storage yard secure? Describe security methods:
Any pickup and/or delivery of automobiles? What is the usual radius of such operation?
Test driving procedures for customer autos (who is allowed and where):
Test driving procedures for autos held for sale (do customers go alone or accompanied; is a copy of the drivers license obtained, etc.):
Is there a guard dog on premises?
Any cars sold on consignment?
Are cars allowed to park in your lot for a fee?
Any operations beyond garage-related operations conducted on-site by the insured?
This is not an exhaustive list of underwriting questions, but it will trigger other questions and more relevant underwriting information.
Please review carefully!
Information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, email, voice mail or facsimile. No binder, insurance change, addition, and/or deletion to any insurance policy coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage is subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage is available in every state.
Please contact our office at 918-346-6973 or 918-660-0090 to discuss specific coverage details and your insurance needs. In order to protect your privacy, p/ease do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax.
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