CLASS DESCRIPTION | AUTHORITY | COMMENTS |
| Airbag Insttalation, Service or Repair | Brokerage | Acceptable as an indicental exposure in conjunction with garage operations. Submit if more than 20% of the operations. |
| Airplan Repair/Maintenance or Any Airport Premises Exposure | Prohibited | |
| Antique Auto Dealers, Repair & Restoration | Brokerage | |
Auto Accessory Dealers* (GL Class Code 10071) | Brokerage | Acceptable in conjunction with garage operations. Provide receipts on over the counter parts sales (parts sold but not installed by the risk). |
| Auto Alarm/Stereo Installation* | Brokerage | Risks that warrant the alarm makes an auto theft-proof are prohibited. |
| Auto Auctions | Brokerage | |
Auto Dismantling or Salvage Yards (Excluding Products)* (GL Class Code 10071) | Brokerage | Acceptable in conjunction with garage operations. Customer must not be allowed to remove their own parts and must be accompanied while i the yard. Premises must be fenced and verify no crushing or stacking of more than 3 autos. Products coverage for used parts is excluded on our policy. |
| Auto Maintenance & Repair | Prohibited | |
| Auto Pawning | Brokerage | |
| Auto Storage - No Repair* | Brokerage | Garagekeepers coverage must be limited to Legal Liability only. Impound Yards are separately classified. |
| Bed Liner Installation (Including Spray On)* | Brokerage | Confirm application of "non-skid" material is limited to truck beds only. Add CAG1919 specifying "Auto Spray On Bedliners" |
| Boat Dealers | Brokerage | Acceptable as an incidental exposure in conjunction with auto dealerships. If over 20%, refer to the Ocean Marine Dept. The Garage policy provides coverage for "watercraft while ashore on premises where you conduct garage operations". Use Symbol 32. |
| Boat Repair | Brokerage | Acceptable as an incidental exposure in conjunction with auto dealerships. If over 20%, refer to the Ocean Marine Dept. Note: The Garage policy provides coverage for "watercraft while ashore on premises where you conduct garage operations". Use Symbol 32. |
| Body Shop & Painting* | Brokerage | Submit if no UL approved spray booth. |
| Bus Dealers or Repair | Prohibited | |
| Car Washes - Full Service* | Brokerage | |
| Consignment Sales | Brokerage | Forward a copy of the consignment agreement. Add DOL if physical damage coverage is requested. |
| Contractors Equipment Dealers or Repair | Brokerage | Please provide a complete list of types of equipment. Cranes and Cherry Pickers are prohibited. |
| Dealers - New Autos | Brokerage | |
| Dealers - Used Autos | Brokerage | Incidental sale of boats is acceptable. |
| Detailers* | Brokerage | |
| Drive-Away Contractors | Brokerage | Include three years favorable hard copy loss runs. |
| Electric Auto Sales or Repair | Brokerage | |
| Emergency Vehicle Dealers or Repair | Brokerage | Please provide a complete description of repairs and types and values of vehicles. |
| Farm Equipment Dealers or Repair | Brokerage | The maximum Liability limit offered on this class is $300,000. |
| Frame/Unibody Straightening | Brokerage | Acceptable as an incidental exposure in conjunction with other garage operation. |
| Fuel Conversion Shops | Prohibited | |
| Gasoline Stations - Full Service (Including Auto Repair) | Brokerage | Convenience Store: Incidental exposure requires no additional rating. If exposure is greater than 20%, receipts are required and additional GL rating will be needed. Gasoline sales is included in the liability rating. LPG must be dispensed by trained employees and tanks properly barricaded. |
| Golf Cart Dealers or Repair* | Brokerage | |
| Handicapped modification, dealers or repair | Prohibited | |
| Hazmat Haulers | Prohibited | |
| Heavy Truck Dealers | Brokerage | Trucks with more than 26,000 lbs. gross vehicle weight are considered heavy. Include the Heavy Truck/Trailer Supplement. A minimum surcharge of 1.25 applies to liability only. |
| Heavy Truck Repair | Brokerage | Trucks with more than 26,000 lbs. gross vehicle weight are considered heavy. Include the Heavy Truck/Trailer Supplement. A minimum surcharge of 1.25 applies to liability only. |
| Impound Yards | Brokerage | Premises must be fenced. A minimum Liability & Garagekeepers surcharge of 1.10 and a minimum deductible of $1,000 apply. Submit if In-Tow coverage on For-Hire Towing is desired. |
| Kit Car or Other Auto Mfg | Prohibited | |
| LPG Distributors | Brokerage | Acceptable as an incidental exposure in conjunction with garage operation. |
| Limousine Conversion | Brokerage | Products coverage must be covered elsewhere. |
| Mobile Auto Repair Service | Brokerage | Diversion of Traffic is prohibited. |
| Mobile Home Dealers, Repair or Toters | Prohibited | |
| Motorcycle Dealers | Brokerage | Includes the Motorcycle Supplement. A minimum liability surcharge of 1.25 applies. Liability coverage will be reduced to minimum statutory limits for customers or employees who do not have a valid motorcycle license. |
| Motorcycle Repair | Brokerage | Include the Motorcycle Supplement. A minimum liability surcharge of 1.25 applies. Liability coverage will be reduced to minimum statutory limits for employees who do not have a valid motorcycle license. |
| Navigation System Installation* | Brokerage | |
| Non-Licenses Vehicle Repair & Sales - ATVs, Jet Skis, Snowmobiles, etc. | Brokerage | The maximum Liability limit offered on this class is $100,000. Include three years favorable hard copy loss runs. |
| Oil/Lube Service | Brokerage | Risk must be in business 3 years. A minimum liability surcharge of 1.50 and deductible of $1,000 apply. |
| Parking Lots & Garages* | Brokerage | Garagekeepers coverage must be limited to Legal Liability only. |
| Public Livery Repair (taxis, limos, shuttle busses, etc.) | Brokerage | Include a complete description of repairs and type of vehicle. Risk must be in business 3 years. |
| Recreational Vehicle Dealers | Brokerage | Include the RV supplement. A minimum Liability surcharge of 1.25 applies. |
| Recreational Vehicle Repair | Brokerage | Include the RV supplement. A minimum Liability surcharge of 1.25 applies. |
| Recreational Vehicle Storage - No Repair* | Brokerage | Garagekeepers coverage must be limited to Legal Liability only. See Boat Class if Boat Storage exists. |
| Rental or Lease Operations | Prohibited | |
| Repossessors - For Hire | Prohibited | Acceptable in conjunction with auto dealers if less than 10% of the operations and strictly repossession of owned (lien on title) autos subject to adherence with state regulations. |
| Semi Trailer Dealers or Repair | Brokerage | Include the Heavy Truck/Trailer Supplement. Tanker trailers are prohibited. |
| Suspension Repair | Brokerage | Suspension modification including lift kits & lowering kits are prohibited. |
| Tanker Dealers - New* | Brokerage | |
| Tire Dealers - Used (Excluding Products | Brokerage | Products coverage for used tires is excluded. |
| Trailer Dealers or Repair | Brokerage | Acceptable for small utility trailers or 5th wheel trailers. Tanker trailers are prohibited. |
| Trailer Hitch Installation or Repair* | Brokerage | |
| Upholstery* | Brokerage | |
| Valet Parking | Brokerage | Include the Valet supplement. A minimum Liability and Garagekeepers surcharge of 1.25 applies. |
| Van Conversion* | Brokerage | Cosmetic changes; such as running lights/boards, captain's chairs, etc. Provide a complete list of all products sold and installed. Structural Alteration and Handicapped Modification is Prohibited. |
| Wholesale Auto Dealers | Brokerage | Incidental slae of boat is acceptable. Products coverage for salvage titled autos is excluded on our policy. |
| Window Tinting* | Brokerage | |
| Windshield Installation/Repair* | Brokerage | |
| Wrecker Service - For Hire or Garage Operations | Prohibited | See Impound Yard or Mobile Repair classifications if the exposure exists. Submit if In-Tow coverage on For-Hire Towing is desired. |
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