Garage Package

Nuts & Bolts:
Superior Access Insurance Services Inc. (SAIS), released a package program available to California agents writing garages. This program is designed for small to medium non-dealer automotive garage risks such as automotive repair, service, body, glass, tune-up, transmission, sound equipment, detailing, oil, electrical, brake work and self-service gasoline sales. Convenience store sales cannot exceed 20 percent and 24-hour operation and AAA towing are excluded. Both property and general liability are required.

Dollars:
Liability limits up to $15 million in sales, property up to $25 million in TIVs per location with a maximum of $50 million. Umbrella available up to $10 million and up to 25 vehicles is okay. The program is very competitive on premium ranges between $1,100 low to $90,000 high. Coverages include: Employee tools and diagnostic equipment, theft of employee tools, employee dishonesty, forgery, alteration and theft of money and securities. Business income is available on an optional basis.

Carrier:
Rated “A+,” admitted.

States Available:
California.

Contact:
(800) 272-7550 ext. 706 or www.superioraccess.com.