Garage Operations

Garage Operations

By In Garage On September 21, 2015

AVAILABLE COVERAGES for your garage operations


Liability – Garage Operations

  • Garage Liability 1mm/1mm and 1mm/2mm
  • Med pay for premises, auto or combined
  • Pick up and delivery liability coverage up to 300 miles at no additional cost


Garagekeepers Coverage

  • Legal liability
  • Direct primary liability
  • Deductibles start at $500/$2500


Dealers Physical Damage

  • Specified perils, comprehensive, collision
  • Dealers drive away collision included when blanket collision elected


Optional Coverages Available

  • Broad form products
  • Personal injury liability
  • Owners of garage locations
  • Fire legal liability
  • Broadened coverages
  • In – tow
  • Dealer plates


Please contact us for a free, fast quote.


As an aside, our brokers answer their own phones and emails. At your initial contact with us, you are given your broker’s cell phone number and direct email address. Where, in most agencies, your broker hides behind a wall of telephone prompts and disinterested, underpaid receptionists.
At sp Business Insurance Services, all aspects of your account are handled by your broker. This arrangement places your broker’s interests in harmony with your interests because it places responsibility for your satisfaction squarely on your broker. This responsibility includes all followup service such as Certificates of Insurance and Additional Insures Certificated, adding and deleting drivers, overseeing claim resolutions in your favor and all other matters pertaining to your insurance. When was the last time you had a Certificate of Insurance or Addition Insured Certificate in your hands two hours after you requested it. Perhaps this is one of the reasons our client retention exceeds 99%.
The other reason for our remarkable client retention is that we shop the market for the lowest possible premium for your needs. We have no “loyalty” to any insurance company because we, as brokers, represent you – not any insurance company. If an insurance company has a bad year and wants to raise your premiums at renewal, we make a seamless transition to another insurer to keep your rates as low as possible. We require that each insurer in our stable maintain an ‘A’ or better, rating from AM Best.
Finally, we only write commercial insurance.




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