1. Builders Risk
2. Business Owners Package
3. Commercial Auto
4. Computer Systems Coverage
5. Contractors Liability
6. Crime
7. Directors & Officers Liability
8. Discontinued Products Liability
9. Employers Liability
10. Equipment Breakdown Insurance
11. Garage Keepers Liability
12. Buildings & Business Personal Property
13. Dealers Open lot
14. General Liability
15. Inland Marine
16. Ocean Cargo
17. Patent Infringement Insurance
    1. Insurance that protects a patent holder against loss due to infringement of a patent.
    2. Liability insurance that protects the insured against infringement claims by a patent holder
18. Products Liability
19. Professional Liability
    1. Accountants
    2. Lawyers
    3. Web designers, Software Developers, Service Providers, and anyone else doing business in the IT industry.
20. Property
21. Trade Credit Insurance
22. Umbrella/Excess
23. Warehousemen’s Insurance Program
24. Workers Compensation

GARAGEKEEPERS coverage is needed for any business that, for a fee, accepts custody or control of vehicles belonging to 3rd parties.  GARAGEKEEPERS provides protection for damage to customer's vehicles due to the insured's legal liability, covering, comprehensive, anything other than a collision or overturn, and covering specified causes of loss; i.e., fire, lightning, or explosion; theft; or mischief or vandalism—"bailees" exposure.
Businesses that may want to purchase this coverage include:

1. Automotive Dealers
2. Service Stations
3. Body Repair and Collision shops
4. Detail shops
5. Electrical Repair and Installation
6. General Repair with or without Gas Sales
7. Glass Installation
8. Oil Change and Lubrication
9. Painting and Pinstriping
10. Rustproofing, Undercoating, Glazing
11. Sound and Communications Equipment repair and Installation
12. Transmission Repair and Installation
13. Tune-Up and Emission Testing
14. Upholstery, Tops and Sunroof Repair and Installation

Garage Program

With GARAGEKEEPERS coverage, the insured must select a limit for each location, which, at times, can be difficult.   Because GARAGEKEEPERS coverage is physical damage coverage, deductibles apply to “covered losses.”  And, as there is no "coinsurance-type" penalty for underinsurance, but care should be used in the selection of the limit because a catastrophic total loss (like a tornado) could leave the insured without adequate coverage.
One way to determine the limit is to consider the average value of the vehicles in the insured's care times the average number of vehicles in the insured's care at a given time. For example, if the average value of customers’ vehicles is $20,000 and the average number of vehicles on hand is 10, a limit of $200,000 would be selected.

Garagekeepers Covering legal liability for damages to vehicles that the dealer does not own but that are left in the dealer’s “care, custody or control.”

1. Direct Primary Coverage for the dealer even if the loss is not the dealer’s fault and is not legally liable
2.  Excess coverage over the limit the actual vehicle owner or customer has from his or her own insurance company and it will typically pay if your customer does not carry his own insurance.

1. Prior insurance company loss history — typically 3 to 5 previous years
2. Number of years in business or previous experience if a new dealership.
3. New buisness ventures are available provided the insured has three years prior management experience in the same type of business.
4. Length of time at the location
5. Lot Protection and Appearance
6. Driving records (MVR’s) — all employees whether 1099 or W-2.
NOTE: Many garage policies exclude losses incurred by anyone under the age of 21
7. Valuation — average/maximum — of vehicles held in inventory/for customers.
8. Number of vehicles sold annually
9. Have you ever been cancelled for non-payment of premium?
10. Business Operations — what steps has the dealer taken to protect his property, building and contents?

Garagekeepers coverage is subject to several exclusions. Typical exclusions are:

1. Contractual obligations
2. Theft by an insured
3. Defective parts
4. Faulty work
5. Loss to sound reproducing equipment (unless permanently installed)
6. Loss to tapes, records, etc.
7. Loss to other sound receiving equipment (CB's, mobile radios, telephones or scanning monitors unless installed in the dash or console)
8. Radar detection equipment

State laws vary as do the offerings of various insurance companies so not every insurance company will offer every coverage described herein.  That’s why it is important to work with Jordan & Jordan Insurance Agency to assure that your coverage addresses your specific risk exposures. We are familiar with what it takes to get a quality insurance quote for your business needs.

To get started Fill-out a contact form or call 1-866-604-5635 and /or email info@jordanjordaninsurance.com