Body Shops
Garage Operators Policy for
Body Shops
As a business owner you are called on to deal
with a variety of issues which take you away
from what you are really good at - operating
your garage. We realize that the last thing you
want to worry about is insurance. Let your our
agency eliminate this worry by designing a
program to protect all aspects of your business.
The Nuts and Bolts ...
Our Garage Operators Policy includes all of
these coverages:
"Special Cause of Loss" coverage for your
Buildings and Contents, including extensions for
transit and off-premises coverages.
Loss of Business Income Protection, including
loss to power and water supply services, and
Extra Expense coverage for your actual loss
sustained when your business is interrupted due
to a covered claim.
Pollution Clean-Up Coverage up to $10,000 due
to a covered cause of loss at the described
premises.
Theft of Money Coverage of $5,000 on premises
and $2,500 off premises.
Theft Coverage for the tools of employees and
owners up to $500 per person/$2,500 per
occurrence.
Garage Liability and Premises Medical Expense
Coverage for protection from claims for injury
to others or damage to their property arising
out of your garage business.
Get Your Policy In Perfect
Alignment...
. . . by adding optional coverages to match
the specific needs of your business. For
example, amounts of many of the basic coverages
can easily be increased. Additional features
designed to protect you against employee
dishonesty or auto losses can be added.
One optional coverage deserves your special
attention: GARAGEKEEPERS COVERAGE will protect
you against damage to your customers' vehicles
left on your premises. You can choose limits
from $15,000 to $300,000, depending on the total
values on your lot.
The 3-Year Rate Guarantee
The W.E. Davis Insurance Agency uses many
fine insurance carriers that have specific
programs just for Body Shops. We can even
guarantee your rates for three and sometimes
even 5 years! This approach benefits you by
providing rate stability and allowing you to
accurately budget insurance expenses.
*This is not a policy. For a complete
statement of coverages and exclusions, please
see the policy contract.
* "Special Causes of Loss"
covers "All Risks" subject to standard
exclusions.
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