JMWilson
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Garage 


Sample Classes

- Antique / Classic Auto Dealers
- Antique Classic Restoration
- Bedliner Installation
- Bus Sales & Service
- Car Wash – Full Service
- Auto Repair Shops
- Emergency Vehicle Service
- Mobile Mechanics
- Mobility Equipment Sales & Installation
- Motorcycle Service
- Motor Home Sales & Service
- Roadside Assistance
- Salvage Yards
- Tow Truck Operations (Non-Fleet)
- Truck Stops (Rural)
- Valet Parking Services
- Handicap Conversions
- Detailing Operations
- Muffler Shops
- Body or Paint Shops
- Contractor's Equipment Repair
- Motor Home / RV Service or Repair - engine work
- RV Storage
- GPS Installation
- Horse Trailer Sales, Service or Repair
- Snowmobile or Motorcycle Service or Repair (DOL / GKL only. No dealer liability)
- Fork-lift Sales, Service or Repair
- Golf Mobile Sales & Repair
- Lube and Oil Change Shops
- Motor Homes (no interior work)
- Travel Trailers (no interior work)
- Bus Conversions (only with verifiable loss history)
- Van Conversion
- Heavy Truck Repair
- Hydraulic Repair (must have special certification)
- Garage Keepers Coverage for Impound Yards
- Auto Auctions
- Breathalyzer Installation / Repair
- Lift Kit Installation


Coverage Features

- Garage Liability
- Garage Keepers and In-Transit Schedule
- Auto Physical Damage for scheduled service units
- Dealers Physical Damage – Non Reporting Only
- Medical Payments
- Fire Legal Liability
- Garage Property with package enhancements

Consider Adding Cyber Liability
- Few people pay cash for a new car, which is why making loans is just as much of a part of an auto dealer's business as selling cars. Collecting confidential information, make auto dealers targets for data thieves.


Package Enhancements
- Agents E&O
- Fire Legal
- Federal Odometer
- Title E&O
- Truth in Lending


Limits of Liability

- Liability - Each “Accident, Garage Operations”
- “Auto Only”- $1,000,000
- Other than “Auto Only” - $1,000,000
- Aggregate “Garage Operations” Other than Auto- $2,000,000
- Medical Payments - $5,000
- Garage-keeper’s Legal Liability or Direct Primary other than Collision Coverage any one location - $300,000
- Garage-keeper’s Legal Liability or Direct Primary Collision Coverage any one location - $300,000
- Dealers Physical Damage – Specified Cause of loss and Collision per vehicle - $30,000
- Aggregate per location - $300,000