Automotive Aftermarket Insurance for General Repair, Auto Body and Collision Repair, Retail Tire Stores, Auto Parts an Accesories Store, Oil and Lube Shops, Brake Transmission and Muffler Shops, Auto Glass Repair Installation, Vehicle Sound Alarm System Installation. 

Scheduled rating for greater pricing flexibilit

The  Package program combines specialized commercial insurance coverage with decades of industry experience, formerly written by Universal Underwriters. This garage package policy includes Property/GL and Commercial Auto.

  • Commercial Property/GL (required), Commercial Auto
  • All size accounts considered
  • Instant online quotes for eligible accounts up to $50,000
  • Schedule up to 25 units on the commercial auto
  • Loaner vehicles acceptable
  • Incidental used auto sales, gas sales, car washes and roadside repair
  • Incidental towing acceptable (up to three units)
  • Auto detailing and window tinting
  • Shuttle service within general area of repair facility
  • Limited used tire sales
  • Vehicle driving radius up to 200 miles
  • Multiple direct billing options available

Coverage Highlights

Property and General Liability

  • Garage and General Liability
    • Mechanics E&O (no additional cost)
    • Employee Benefits liability
  • Building Income and Extra Expense – Actual Loss Sustained
  • Equipment Breakdown Protection
  • Building and Business Personal Property
    • Includes foundation and glass
    • No coinsurance provisions
    • Coverage for vacant land and leased properties
    • Employee Tools, Exterior Signs, Ordinance or Law, Demolition Costs and Debris Removal
    • Crime – Employee Dishonesty, Forgery or Alteration
    • Customer Complaint Defense option






Commercial Auto

  • Business auto liability and physical damage
  • Garage keeper’s liability (direct or legal liability basis)
    • Blanket Waiver of Subrogation available
  • Dealer/Repair/Transport tags



Target Market

  • General automotive repair
  • Auto body & collision repair
  • Retail tire stores
  • Auto parts & accessories stores (new parts)
  • Oil & lube shops
  • Brake, transmission and muffler shops
  • Auto glass repair/installation
  • Vehicle sound/alarm system installation


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