Google+ Marshall Insurance Services ~ NC Insurance Blog: Insurance for the NC Auto Service & Repair Industry

January 14, 2013

Insurance for the NC Auto Service & Repair Industry

 
Eligible Risks
  • Repair shops
  • Service Stations
  • Auto Equipment Installation
  • Auto Glass Installers
  • Body Shops
  • Gas Stations
  • Car Washes – Prefer fully automatic with attendant
  • Quick Lube Shops
  • Tire Dealers – Excluding recapping, re-treading and used tire sales
  • Convenience Stores with Gasoline Sales – (CPP on 24-hour stores subject to underwriting approval; not writing Workers Compensation.)

Incidental Exposures – Less than 10% of total receipts (unless otherwise noted)
  • Car Sales (up to 25 per year) – with no sales of rebuilt vehicles
  • Towing Associated with contract Work
  • Parking Lots or Garages
  • Radiator Repair Shops (for all lines except Workers Compensation)
  • Roadside Service
  • Sales of Mobile/Motor Homes or Camping Trailers

Ownership/General
  • Experience – At least three years in business
  • Financially stable operation
  • Full-time/year-round operation
  • Owners actively involved in dy-to-day operation, with favorable attitude toward safety/controls
  • Good housekeeping/maintenance is critical
  • Tanks that meet all current EPA/UST technical requirements
  • Depending on the occupant/values – Central Station Intrusion Alarm may be required
  • Favorable Motor Vehicle Reports (MVRs)
  • Paved or unpaved parking lots in good condition
Body Shops
  • UL-approved spray booth; adequate ventilation; explosion-proof lighting and fixtures
  • Proper storage of flammables and rags
  • Separate body-work and spray-painting areas (e.g., spray booth, welding curtain, separate building, interior wall, etc.)
  • "No smoking" policy enforced
  • Favorable Motor Vehicle Reports (MVRs)
Call us today at 704-684-0082 for a quote!