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Flexible
Package Coverage Under One Auto Garage Policy
The Auto Garage Program from
Partners
Mutual provides insurance for gasoline service stations, mechanical repair
shops, auto body repair, auto upholstery shops, tire dealers, car washes, parking
lot/storage facilities, and auto parts stores with repair facilities.
What Is Covered?
Garage liability coverage includes:
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$300,000 bodily injury standard (others available) |
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Completed operations and products and non-owned autos |
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| Available optional liability
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- Garage Keepers Liability
- Legal liability: Your customers’ vehicles are covered against named peril damage
caused by you or your employees
- Direct excess: Your customers’ vehicles are covered against named peril damage but
only for damage not covered by other insurance
- Direct Primary: Your customers’ vehicles are covered against named peril damage,
whether or not covered by other insurance
- Personal Injury and Advertising Injury
- Limited Station Damage Coverage
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Business Property Coverage
The following coverage is included as part of the Standard or Special Coverage Forms of
the Auto Garage Program with a standard deductible of $250.
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Building |
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Business Personal Property |
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Exterior Glass $100 Per Pane or Plate |
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Limited Property Coverage for Others |
Coverage Options Include:
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Business Income |
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Money and Securities |
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Full Glass Coverage |
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Accounts Receivable |
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Mechanics Tools |
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Signs |
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Computer Coverage |
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Optional $500 and $1,000 Deductibles |
Extra Benefits
Partners Mutual offers a Partners Plus Coverage Advantage Program that offers significant
additional coverage, all for one fee. The additional 14 items covered complete your garage
program.
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Up to $25,000 on accounts receivable
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Up to $10,000 on outdoor signs and fences |
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Up to $10,000 for personal property
off premises |
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Up to $5,000 for rental reimbursement to temporarily replace owned
equipment due to a covered loss |
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Up to $10,000 to cover buildings, personal property, business income or
extra expense caused by power failure or other utility service |
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Up to $1,000 on lock replacement |
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Up to $1,000 on fire extinguisher recharge |
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Below ground tanks, pumps, and contents included under building
definition |
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Up to $5,000 for non-owned station damage |
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Only one deductible applies in event of loss (Property, Inland Marine,
Garage Keepers Liability) |
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Up to $5,000 coverage on premises and off premises for money and
securities |
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Up to $5,000 arson award |
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Up to $10,000 on employee tools |
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