Insurance for Your Auto Care and Service Business

Liability Insurance Advantages

• New acquisitions and additional insureds
• Aggregate liability limits apply per location
• Broadened products coverage
• Host liquor liability
• Employees’ use of customer automobiles
• Garagekeepers coverage
• False pretense coverage
• Blanket contractual liability
• Blanket additional insureds
• Federal odometer statute errors & omissions
• Title errors & omission coverage
• Product recall expense

Property Insurance Advantages

• Water back-up from sewers or drains
• Expanded pollutant clean-up
• Business income (actual loss sustained)
• Employee dishonesty
• Newly acquired buildings
• Coverage for outdoor pumps, canopies, signs, lights, underground tanks and fuel within tanks
• False pretense
• Ordinance or law
• Personal property of others (auto contents)
• Monies and securities
• Equipment breakdown

Inland Marine Insurance Advantages

• Business computer for hardware and software
• Installation property
• Personal property of others
• Property in transit
• Mobile equipment on and off premises
• Tools and equipment coverage for the owner and employees

• Commercial umbrella
• Management liability
• Mechanic’s professional liability
• Pollution cargo coverage

Good protection goes beyond insurance. A properly managed auto care safety program can greatly reduce your company’s exposure to loss. Selective offers Safety Management services to help minimize your risks and keep you and your business safe and ready to serve customers.

• Auto care and services best practices assessment
• Contractual liability consultation
• Customized workers compensation cost containment
• Driver and fleet safety programs
• Exposure reduction consultations
• Premises liability reviews
• Regulatory guidance
• Safety assessment and benchmarking tools
• Sprinkler system evaluation and analysis
• Supervisor accountability programs
• Thermographic infrared survey

For more information about Selective’s Safety Management services, click here.

Please contact your Selective agent for more information about our products and services for Auto Care & Service Businesses.