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Garage Program

Recent Successes

Medium to Heavy Truck Dealer

Auto Repair Shop

Monoline DOL with Prior Wind/Hail Loss

5 Location Garage Repair and Sales

Heavy Truck Repair - Liability/Garagekeepers

Used Auto Dealer

Used Auto Dealer with Repair

RV Rental - Parts Sales and Budget Truck Rental

Mobile Diesel Repair
WestPac/Virtus Roadshow
 
Moving into 2019, our WestPac/Virtus marketing team is hitting the road as we look to grow new relationships and expand our geographical reach. 
 
We're targeting Idaho, Arizona, Nevada and Kansas City. Look to hear from Alexandra or Steve as they are in your area, or reach out to them for an appointment!
 
Kansas City - 2/12 - 2/14
Idaho- TBD
Phoenix/Tucson - 3/5 - 3/8
Reno - 3/4 - 3/8

Summary
Virtus' Garage specialty continues to shine as we regularly bind franchised and non-franchised car dealers, mobile and brick and mortar repair facilities, and other garage-related accounts. Agents can trust that their Garage business is underwritten by a knowledgeable and experienced team with multiple carrier options and broad capabilities.
What You Should Know:
  • Fewer carriers are considering DOL with prior wind/hail claims
    • Higher claim value means higher deductibles
  • Comparing Quotes, ASK US!
    • Garage coverage is specific to your operation
    • A large difference in premium could mean a big difference in coverage
    • Is E&O Coverage a part of your quote?
    • Is False Pretense included?
    • Is Drive Other Car coverage included?
  • Lot Protection type and size will directly affect premium
  • 100% Coinsurance required
    • "The percentage of value the policyholder is required to insure"
    • Ex: If inventory is valued at $100,000, your lot limit should be $100,000

   

Eligible Operations:
Repair
  • Heavy Truck Repair
  • Auto/Truck Repair
  • Equipment Repair
  • Motorcycle Repair
  • Antique Restoration and Repair
  • Recreational Vehicle Repair
  • High Performance
  • Off Road Repair Shops
  • Boat Repair
Dealers
  • Auto/Truck Brokers
  • Auto or Truck Dealers             
  • Heavy Truck Dealers
  • Equipment Dealers                
  • Motorcycle Dealers
  • RV/Trailer Dealers
  • Auto Auctions
  • Boat Dealers
  • Consigned Auto Sales
Other  
  • Paint & Body Shop
  • Car Wash/Detailing
  • Parking & Valet
  • Service Stations
  • Tire Services and Tire Stores considered      
  • Lift Kits considered up to 6 inches

Program Highlights:
  • $750 minimum premium
  • A.M. Best "A" rated E&S markets
  • Admitted options available for eligible repair risks
  • Monoline Garage Liability, Dealer's Open Lot, and Garagekeepers policies available
  • Garage Liability limit: Up to $5M available 
  • Fire Legal Liability limit: Up to $300K
  • Dealer Open Lot (DOL) limit: Up to $10M per location/$250K per auto
  • Garagekeepers: Up to $5M per location
  • New ventures accepted
  • Loss free credits available
  • Risks with large hail losses considered
  • Other coverages available: DOC, Theft Buy-Back, False Pretense, and Broadened Coverage Endorsement

Contact Us

Click here to download an application
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