For auto repair shops
Our program packs more coverage under the
Our Deluxe Insurance Program for Auto Repair Shops gives you a richer
blend of insurance coverage than most garage policies youll find. Our package
includes the special coverages you need for your business, plus you can add plenty of
optional coverages and related life insurance protection. The result is a unique business
owners package that is very good for your business. Whether you deal strictly in repair
work, or offer one-stop convenience shopping complete with fuel pumps and car wash
facilities, our program comes equipped with the coverage you need.
If youd like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Bumper-to-bumper property protection
We provide solid insurance protection for your buildings and pump islands, canopies,
above- and below-ground fuel tanks (and their contents), compressors, lifts and
practically every item your business may own or hold in its care. Your property is insured
on a replacement cost basiswith no coinsurance penaltiesagainst fire,
explosion, damage from vehicles (other than yours), burglary and robbery, and most other
causes of loss.
We also provide unlimited business income and extra expense coverage for up to a full
year. Within that year, well continue coverage for up to 30 days after repairs
are complete if your income has not returned to normal levels.
Your property coverage also includes these extraordinary features and generous limits,
all geared to your specific needs:
- Coverage for money, credit card slips and other securities that are stolen or
destroyed on or off your premises.
- Employees tools and customers personal belongings that are stolen or
damaged while in your care.
- Food spoilage caused by mechanical breakdown of refrigeration equipment.
- Pollution cleanup required as a result of fire or other covered losses.
- "Reward money" for information leading to an arson or theft conviction
following a covered fire or theft loss.
- Coverage to prepare inventories, appraisals and other data you may be asked to
provide in connection with a claim settlement.
Plus other special additives are automatically included:
Liability coverage for all your operations
- Accounts receivable
- Business personal property off premises
- Valuable papers & records
- Sewer/drain backup
- Fire department service charge
- Vandalism to rented buildings
Our comprehensive liability coverage protects you against damage and injury claims
arising from all operations and premises you own, lease or manage. You are also protected
if, due to your negligence, a product you sell or work you perform causes damage or
Beyond that, we include a host of special coverages that are normally "pay-for
extras" or not available at all. Key among them is liability protection for damage
you accidentally cause to:
A customers auto We provide comprehensive and collision
coverage on a legal liability basis.
A building you rent Fire loss is covered.
Optional coverages for your business
We offer over 35 options to help you customize your insurance program, including:
- Owned autos Liability and physical damage coverage is custom-rated to your
- Exterior and interior glass Specifically insures your building glass against
breakage and eliminates your deductible and dollar limitations for individual panes.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protectand help you retainyour employees. The cost is
- Employee dishonesty With your choice of limits per occurrence.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
- Higher limits In addition to a wide selection of options, you may purchase higher
limits for most built-in coverage features, including: employees tools;
garagekeepers coverage; valuable papers and records; damage to leased property; and fire
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
companys debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other coverage needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
- Excess liability Broader coverage for losses above the limit of your underlying
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our special program for barbers and beauticians? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.