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Automotive aftermarket - Mechanical repair

mechanic under car

Zurich’s automotive aftermarket mechanical repair program is designed for mechanical repair or service shops.

Appetite:

Submit up to $125K total account premium in most states (instant online quotes up to $50K.)

  • Mechanical repair or service shops including:
    • Muffler shops
    • Brake shops
    • Transmission repair
    • General/mechanical repair
    • Auto quick lube shops

Ineligible risks:

  • Minimum of three years in business or equivalent industry management experience
  • Business Auto with greater than 25 power units

Geography:

  • Nationwide, except in Alaska, Florida, Hawaii, Louisiana and Texas

Coverages offered:

  • Garage and General Liability
    • Mechanics E&O
    • Employee Benefits liability
  • Business Income and Extra Expense - Actual Loss Sustained
  • Equipment Breakdown Protection
  • Building and Business Personal Property
    • No coninsurance provision
  • Limited Discrimination Coverage option
  • Crime - employee dishonesty, forgery or alteration, money and securities
  • Business auto liability and physical damage
  • Garage keeper's liability (direct or legal liability basis)
    • Blanket Waiver of Subrogation available