National Indemnity Company
Rated A++ (admitted)

National Indemnity Company | Program Highlights
Dealers Eligible for Garage Coverage include:
• Used Car Dealers – Non-franchised dealers whose primary sales are private passenger autos or light trucks.
• Truck & Tractor Dealers – Non-franchised dealers who sell used trucks and tractors.
• Motor Home Dealers – Franchised or non-franchised dealers whose sales are motor homes.
• Trailer Dealers – Franchised or non-franchised dealers whose primary sales are trailers. These trailers include trailers used for trucking purposes and camper style “5th wheel” trailers.
• Motorcycle/ATV Dealers – Franchised or non-franchised dealers who sell motorcycles, snowmobiles, all-terrain vehicles, golf carts, etc.

Coverage Options:
• Liability coverage pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto, up to the policy limits you choose.
• Physical Damage coverage pays for damages to covered vehicles. You may purchase this coverage for scheduled vehicles or for vehicles held for sale at your location, commonly referred to as Dealers Open Lot.
• Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
• Medical payments coverage pays for medical bills for occupants of a covered vehicle or for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
• Garage-keepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

Limits Available:
We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:
Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

Repair Operations Eligible for Garage Coverage Include:
• Service Shops – Examples: Car washes, detailing shops, body shops
• Repair Operations – Examples: Truck repair, tractor repair, motor home repair, auto repair, motorcycle repair, mobile repair operations
• Towing & Wrecker Services – Examples: Tow trucks, impound lots

Coverage Options:
• Liability coverage pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto, up to the policy limits you choose.
• Physical Damage coverage pays for damages to covered vehicles. You may purchase this coverage for scheduled vehicles or for vehicles held for sale at your location, commonly referred to as Dealers Open Lot.
• Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
• Medical payments coverage pays for medical bills for occupants of a covered vehicle or for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
• Garage-keepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

Limits Available:
We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:
Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

Century Surety/United Specialty
Rated A- (non-admitted), Rated A (non-admitted)

Century Surety/United Specialty | Program Highlights
Century offers coverage such as Garage Liability with limits up to $5,000,000 and Garage-keepers Coverage on a Legal Liability, Direct Primary and Direct Excess basis with limits also up to $5,000,000 per lot and $250,000 per vehicle. Century also can provide Dealer’s Open Lot Coverage with limits up to $5,000,000 per lot and $250,000 per vehicle.

Garage Classes and Coverage Include:
• New and Used Car Dealer
• RV Dealers and Repair
• Auto Body and Paint Shops
• Full Service Car Washes
• Wholesaler Auto Dealers/Brokers
• Heavy Truck Dealers and Repair
• Public Livery Repair
• Private Passenger Auto Repair Shops
• Motorcycle Dealers and Repair
• Auto Stereo and Alarm Installers
• Auto Detailers
• Trailer Dealers
• Valet Parking
• Impound Yards
• Gas Stations w/Auto Repair and Convenience Stores
 
Additional Garage Coverage:
• Uninsured and Underinsured Motorists Coverage
• Personal Injury Protection
• Hired Auto Coverage
• Medical Payments: “Auto” and “Garage Locations & Operations”
• Broad Form Products
• False Pretense
• Personal Injury Liability
• Damage to Rented Premises
• Broadened Coverage – Garages
• Additional Insured and Waiver of Subrogation
• Dealers Errors and Omissions: “Truth in Lending”, “Federal Odometer”, “Title” and “Insurance Agents”
• Scheduled Auto Liability (available in CA, WA)
• Drive Away Radius Extension up to Unlimited Radius
• Package with Property and Include GL Exposures