By Ariana Ramos | SVP Business Development
In the world of auto repair, the risks are as varied as the vehicles on the lift. From a classic car restoration shop handling a six-figure asset to a high-volume transmission center, your clients in the automotive service industry face a unique set of “garage” exposures that standard business owner policies often overlook.
At Telamon Insurance Network, we help independent agents navigate the complexities of the garage market. When a local shop grows beyond your standard carrier’s appetite, we provide the specialized access you need to stay in the driver’s seat.
More Than Just a Policy: Targeted Garage Coverage
An auto repair shop isn’t just a building; it’s a hub of customer property and high-stakes liability. We help you secure the specialized forms that keep these businesses running:
- Garagekeepers Insurance: Essential for protecting customer vehicles from fire, theft, or vandalism while they are in the shop’s care, custody, or control.
- Garage Liability: This goes beyond General Liability by covering both the “garage operations” (like a slip-and-fall in the bay) and the “auto hazard” (accidents occurring during test drives).
- Specialized Equipment Coverage: From diagnostic computers to heavy-duty lifts, we ensure their most valuable tools are protected.
- Pollution & Environmental: Crucial for shops handling oils, solvents, and other hazardous waste.
Why Partner with Telamon for Auto Risks?
We don’t just “write the risk”—we solve for it. Independent agents choose us because we handle the diverse spectrum of the automotive world:
- General Repair & Maintenance: From routine oil changes to complex engine overhauls.
- Specialty & Niche Shops: RV service centers, classic car restoration, and mobile mechanics.
- Heavy Truck & Diesel: Large-scale operations that require higher limits and specialized underwriting.
- Valet & Parking Services: Unique liability exposures that many standard markets won’t touch.
The Telamon Comparison: Solving the Unsolvable
|
Risk Factor |
Standard Markets |
The Telamon Advantage |
|
High-Value Inventory |
Often capped or restricted |
Custom limits for high-end/classic shops |
|
Mobile Mechanics |
Frequently excluded |
Tailored coverage for on-site services |
|
Test Drive Liability |
Limited scope |
Comprehensive Garage Liability coverage |
|
Claims Support |
Generic call centers |
Dedicated in-house claims advocacy |
Turn Your “Decline” into a “Signed”
Don’t let a “hard-to-place” garage risk stall your agency’s growth. Whether it’s an aging facility, a new venture, or a shop with a complex claims history, Telamon has the surplus lines relationships and the admitted carrier access to find the right home for your client.
Stop hitting walls and start opening doors. Connect with our Team today!