Garage Liability
Installers Edge; From installing specialty automotive parts to restoring automobiles, Alliant has the coverage crafted especially for your unique needs.
Whether you’re in business of installing aftermarket parts for a new car dealer or have your own specialty repair shop, you need the right kind of insurance from a company who understands your business.
The Installers Edge product exclusively through the Specialty Equipment Insurance Alliance is designed to meet the needs of SEMA members whose primary goal is to sell and install aftermarket accessories through the following industry segments:
- Off-road Truck Centers
- Performance Shops
- Restoration & Repair
- Retailers
- Jobbers
Coverage Highlights
General & Garage Liability
- Premiums based on gross revenue
- Separate rates for retail part sales versus installation
- Blanket Additional Insureds
- Covers test driving
- Includes Product Liability
Garage Keepers Legal Liability
- Covers vehicles in your care custody or control
- Coverage is written Direct Primary
- $1,000,000 limit per location / $500,000 max per vehicle (Higher limits available upon request)
- Dealer Open Lot (Available by endorsement)
Property
- Buildings & Business Property
- Business Interruption
- Special Form Inc. Theft (With Alarm)
Umbrella
- Increased limits available and optional
- No Deductible
- Sits excess over general liability and test driven auto’s
Enhancements Included
- Customer Property
- Mobile Tools and Equipment
- Accounts Receivable
- Outdoor Signs
- Valuable Papers
- Money & Securities
- HR Services
Coverage is designed, with these important exposures in mind!
* Garage Liability – covers the completed operation of a part being installed or a process being performed on a vehicle.
* Garage Keepers – protects against damages to your customers vehicles while in your care, custody or control.
* Umbrella Liability – Increases the liability limits for both the General Liability and the Non Owned Auto Liability (Test Drives).
* Property – coverage for buildings, tenant improvements, tools and equipment, inventory, loss of business income, mobile property (Optional), customer property and employee theft.
* Business Auto – Although test driving is automatically covered, Alliant may deliver competitive quotes for owned vehicles. Coverage to include Auto Liability, Comprehensive and Collision coverage using agreed value for custom vehicles.
* Product Liability - For companies that want to import products or design private label components, Alliant has you covered.
How is it different from other insurance coverages?
- You get the right coverage from an agent who understands your work.
- It costs less than most policies due to Assoication group pricing.
- Helps you control cost by basing premium on gross sales.
- More flexible due to seperate rates for installation, retail, wholesale, and manufacturing.
- Simplified application with quick underwriting turn around.
- Flexible payment options, including monthly bill pay.
For an immediate quote please complete our online application or print the attached PDF, complete and return to start saving today.
