Mobile Repair Program

The mobile repair and road side service industry is generally comprised of two classes of operations. These are non-emergency maintenance and the repair of disabled vehicles in a roadside response situation. In both of these types of operations, the work is always performed off-site. Both the roadside and non-roadside service operations comprise the bulk of this very specialized industry within the broader automotive industry. We offer products to the entire class of mobile repair and roadside service operations. Packages include the primary operations and the ancillary exposures engaged in by the various participants of this industry. The typical vehicle types in this program will be medium and light duty trucks operating in a local radius from the garage. The exposure of this program and thus our focus will be on the general liability coverage which will be our lead coverage for this class. Each risk will be thoroughly underwritten and exposure bases clearly and accurately rated according to our ISO rules.


Scope of Operations
  1. Roadside responders will engage in changing tires, replacing batteries, changing belts, delivering and putting in gas, jump starts.
  2. Mobile locksmiths will engage in lock outs, programming key fobs, in door lock release. These operations will not engage in any residential or business facility operations.
  3. Auto repair facilities, with mobile repair operation in addition to the roadside mobile repair scope of operations will engage in general automotive repair from routine maintenance like oil change and lube to major repair and replacement of parts at the garage location.
  4. Heavy Truck and RV road service operations in addition to the roadside repair aspects of the operation will engage in general diesel repair from routine maintenance to more complex repair operations.
  5. Mobile glass repair and replacement companies will engage in glass repair of small cracks to windshield replacement using after market and OEM provided material.
  6. Mobile car wash/detailing companies will go to customers home or work to engage in mobile washing, detailing, waxing and interior cleaning and detailing.
  7. Mobile commercial fleet maintenance operations engage in truck fleet maintenance, such as tire pressure checks and filling, lube and oil changing, fluid checks and maintenance. This operation occurs at the location of the fleet.
  8. Mobile body work operations will engage in dent and scratch repair and painting on location of the dealer lot. The work is minor in nature and is performed off site.

Eligible Operations
  • Roadside responders (non-towing)
  • Mobile battery service and tire service providers
  • Auto repair shops with road side service (must have mobile repair service to qualify for our programs)
  • Mobile locksmith operations with no residential operations
  • Heavy truck and RV road side service and repair
  • Mobile fleet maintenance operations
  • Mobile car washing and detailing
  • Mobile dent repair and painting
  • Mobile glass repair
  • Oil change/lube/battery service/flat tire/fuel delivery
  • Mobile windshield repair and replacement

Ineligible Operations
  • Farm equipment
  • Contractor's equipment
  • Buses, or any public livery vehicle
  • Split rim tire service/repair/without cage
  • Security systems installation/repair for financial buildings, schools, airports, medical facilities, detention or correctional institutions, federal/state buildings
  • Fire suppressions systems
  • Locksmith services with any residential operations

Coverages and Limits
  • Auto Liability - $100,000
  • Physical Damage - Comprehensive and Collision Actual Cash Value (ACV)
  • Auto Medical Payments - $1,000 to $10,000
  • Uninsured/Underinsured Motorist (Non Stacked) - Limits equal to auto liability
  • Personal Injury Protection - Basic limits or as required by law
  • General Liability - $100,000 to $2,000,000 CSL
  • Hired and Non-Owned Liability - Limits equal to general liability
  • Garage Keeper's Legal Liability - Maximum limit per location is $500,000
  • Tools and Equipment Floater - Schedule equipment and unscheduled tools
  • Building and Contents - ISO rating rules apply

Deductibles
Auto Liability - None to $2,500
General Liability - None to $1,000
Physical Damage - Minimum is $500
Garage Keeper's Legal Liability - Minimum $500 comprehensive and $500 collision
Miscellaneous Tools & Equipment Floater - $500 to $25,000 


Inland Marine
Tools and equipment can be covered on an Inland Marine form under the following conditions and terms:
  • Deductible is $500 minimum
  • All equipment to be covered must be scheduled (with serial numbers)
  • Scheduled equipment maximum limit is $100,000
  • Theft excluded in unattended vehicles (unless locked).
  • Rating (apply per $100 of limit): $2 to $4
  • Miscellaneous Tools Maximum limit: $25,000
Rating (apply per $100 of limit) $4 to $6
Minimum premium is $300
Miscellaneous tools - $25,000


Property Underwriting Guidelines
Property may be packaged with Auto Coverage for the Towing, Auto Hauler, Garage and Dealers and Mobile Repair programs. 

Authority Limits
  • Building - $1,000,000
  • Business Personal Property - $500,000
  • Business Income - $250,000
  • With or without extra expense
Minimum policy premiums are $500
Deductibles are $500 to $5,000

State/Area Restrictions
For all coastal states, we will not write property coverage within 10 miles of the coast line with the exception of NY, VA and MD. In these states, coverage may not be written within 1,000 feet of the coast line.

Causes of Loss
Basic
Broad
Special

Unacceptable
Dwellings
Farms
Builders Risk
Buildings more than 100 years old
Non Approved Spray Booths
Mobile Trailers in Florida

Documentation
Acord Application 125 and 140
Risk with Spray Booths require the UL# or a photo of the booth
Photos or inspections required on all buildings over 30 years old.

Rating
ISO Rating Using Company LCM

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