Auto Body &
Garage Program

Property & Crime Coverages
BuildingSpecial Cause of Loss, Replacement Cost Coverage, NO Coinsurance
Contents/Business Personal PropertySpecial Cause of Loss, Replacement Cost Coverage, NO Coinsurance
Business IncomeActual Loss for 12 months
Accounts Receivable Records$ 25,000 on Premises
$ 5,000 off Premises
Auto Hoist Collisionincluded
Back up of Sewer or Drain$ 25,000
Claims Expense 5,000
includes loss of earnings, up to $ 500 per day
Computer Equipment$ 40,000
Computer Media$ 10,000
Diagnostic Equipmentincluded in business contents limit
Employee Dishonesty$ 25,000
Employees' Tools & Equipment$ 2,500 Off Premises & In Transit
$ 1,000 per Employee; $ 5,000 maximum
Equipment Breakdownincluded
Exterior Building Glassincluded
Fire Department Service Charge$ 10,000
Fire Protection Equipment$ 15,000
Forgery & Alteration$ 10,000
Interior Building Glassincluded
Lock & Key Replacement$ 500 premises;
$ 500 customers' autos
Money, Securities and Credit Card Slips$ 25,000 on Premises
$ 5,000 off Premises
Outdoor Property$ 10,000 ($ 500 per Tree/Shrub/Plant)
Outdoor Signs$ 5,000 (Attached or Unattached)
Personal Property In Transit$ 25,000
Personal Property Off Premises$ 25,000
Pollutant Clean Up & Removal$ 25,000
Utility Service Direct Damage$ 25,000
Utility Service Time Element$ 25,000
Valuable Papers & Records$ 25,000 on premises
$ 10,000 off premises
Liability Coverages
Additional Insuredsincluded on a "Blanket" basis
Fire Legal Liability for buildings you lease/rent$ 300,000
Garagekeepers Liability$ 25,000 Direct Primary (can be increased)
Hired & Non-Owned Auto Liabilityincluded
Loss of Use of a Customer's Auto$ 20 per day
$ 600 per occurrence
Mechanics' Professional Liabilityincluded
Medical Expenses$ 15,000
Voluntary Property Damage$ 5,000 per Occurrence
$ 25,000 Aggregate
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