Offers a variety of coverages that protect your property while away from your primary location including tools, employee tools, laptops, and machinery and equipment.

Covers physical damage to your vehicles, watercraft and equipment.

Covers physical damage to customers’ vehicles in your possession for repair.

Covers work-related injuries to your employees.

Covers large liability losses that exceed the limits of the underlying garage liability policy.

Provides protection for your buildings, business personal property and property of others.

You depend on them to get the job done, make sure your tools and equipment are protected.

Covers damage caused by faulty parts or work done by you or your employees.

Provides unlimited coverage for customers’ vehicles, if they are damaged while in your possession for repair.

Protects your dealership from certain types of fraud or theft.  For example, theft during a test drive or acquiring a vehicle without legal title.

Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.

Provides liability coverage while operating a watercraft.

Receive premium savings when you have other qualifying policies with Auto-Owners.

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Receive a lower premium for favorable loss history.

If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.