Two covers, one file
Garage liability for the shop’s own operations and garagekeepers for a customer’s vehicle in your care — quoted together instead of as two separate.
Garage
Repair shops, used car dealers, body shops, detailers and tow operators.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Garage liability covers an auto business’s own operations and premises; garagekeepers covers a customer’s vehicle in its care, either only when the shop is legally at fault or on a direct basis. Franchisors, floor-plan lenders and landlords of service bays commonly require both at set limits. Cennairus quotes the two together in one submission.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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Garage liability for the shop’s own operations and garagekeepers for a customer’s vehicle in your care — quoted together instead of as two separate.
Dealers, repair, body, detail and tow — classes a standard commercial application was not really written for.
Garagekeepers can be written legal-liability, which pays if you’re at fault, or direct/primary, which pays regardless — a real underwriting choice, not.
Vehicle counts, lot size, years in business and prior claims pulled straight from what the shop already has on hand.
Garage liability and garagekeepers legal liability quoted from the same file, not two applications.
Dealers, repair, body, detail and tow — the classes that standard commercial portals stumble on.
The exposure that decides the claim, priced properly instead of endorsed as an afterthought.
Who buys it: independent repair shops and auto body shops; new and used car dealers; detailers and mobile detailing operations; tow operators and roadside assistance companies; tire shops and quick-lube operations; auto parts stores that also install what they sell.
From the moment a customer’s key changes hands, the car is the shop’s exposure until it changes back.
Garage liability covers the shop’s own operations and premises — closer to a GL and auto liability form built for auto-related trades.
Legal liability garagekeepers pays only if the shop is legally at fault for the damage.
Usually, if the vehicle was in the shop’s care, custody or control at the time — but the perils actually covered and any sublimits depend on the form.
Vehicle counts on the lot on an average day, the classes of work performed — repair, body, detail, tow — years in business, and loss history for both lines.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
