Garage Quote Form

General Info
Contact Name *
Contact Name
Phone Number *
Phone Number
Lines of Business Proposed *
The more info you give, the better we'll be able to understand the risk and negotiate for competitive rates!
Coverage Date
Coverage Date
What effective date would you like us to use for our quote?
How many years have you been in business?
Who is your current insurance carrier?
Have you had any claims in the last 5 years? If so, please provide a detailed description of each claim along with approximately how much money has been paid out for each occurrence.
Please list the total number of employee within your business. Please also further "subdivide" this number into specific categories as well (10 total employees: 5 clerical, 3 sales, 2 service).
One way that insurance carriers rate your general liability premium is based upon gross annual sales. Please list your annual sales (ie: $4,000,000) and "subdivide" them per line items as well if possible ($500,000 for office employees, $300,000 for salespersons, $250,000 for mechanics, etc.)
Some insurance carriers rate your general liability premium off of your annual payroll. Please list your annual payroll, and break it down into specific classifications once again (ie: $500,000 annual payroll, $200,000 paid to office employees, $200,000 paid to mechanics, etc.) If you'd like to get more technical, the RiG team is always willing to conduct a "pre-quote audit" and show you some tricks as to how we can reduce your premium in doing so.
If you own your building or condo unit, how much coverage would you like on it? (Side Note: Any sort of vehicle lift or other items that are "attached" to the building or fastened to the ground would be included within the building limit. Feel free to mention and/or list these items as well)
An approximation is okay...
How many years old is the roof?
An approximation is okay...
How much coverage would you like for your business personal property and contents? Try to be as specific as possible and break down each into line items if you are able to do so (ei: $50,000 in office furniture, $25,000 in computer hardware/software, $10,000 office supplies, etc).
In this category, we're talking about tools valued at $1,000 or less that are owned by the business (not employees' tools). If a tool is valued over $1,000, we would cover this underneath the "Equipment Owned by the Business."
In this category, we're referring to equipment and tools valued at over $1,000 that are owned by the business (not employees' equipment).
Would you like to cover the tools of your employees? If so, how much coverage would you need for all of their tools valued at $1,000 or less?
Would you like to cover the equipment of your employees? If so, how much coverage would you need for all of their equipment valued at $1,000?
Would you like coverage for and any tools and/or equipment that is taken off premise? If so, please explain which tools are taken off premise, how often this happens, and how much coverage would you like.
Employee dishonesty covers direct losses and damage to businesses resulting from the dishonest acts of employees. The most common losses for garage risks are when employees steal the company's money, tools, and even drive off with their vehicles. If coverage is desired, please indicate how much.
Is there any additional property that you need coverage for? These items may include (but are not limited to) signs, lights, clocks, fences, playgrounds, etc.
General Liability / Auto Liability
The RiG team encourages our garage customers to think of the Garage Policy as a combination of the Business Auto Coverage form and the Commercial General Liability Coverage form. A typical garage business has an auto exposure (owned, non-owned and hired) as well as premises/operations, contractual and products/completed operations exposures. Rather than writing two separate policies, the Garage policy allows you to combine the coverages into one form.
Please list the year, make, model, and VIN for each vehicle. Please also indicate which vehicles need full coverage or just liability only.
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
Garagekeepers Policy Form
How would you like to cover your customers' autos while they are in your custody? "Legal Liability" would be paid out through your customers' personal auto policies, "Direct Primary" would be paid out on your business (garage-keepers) policy, and "Direct Excess" would pay out on your business policy as well ONLY AFTER the coverage on your customers' personal auto policies have been exhausted.
How much "blanket" coverage would you like for all of your customers' vehicles while they are in your care, custody, and control?
This coverage is liability insurance for employers that covers them from from wrongful termination, discrimination, sexual harassment, and other violations of employees' legal rights.
Workers' Compensation
An experience modification, commonly called an “e-mod,” is an important factor used to adjust your work comp premium. Experience modifiers are calculated by organizations known as "rating bureaus" and rely on information reported by insurance companies. The rating bureau used by most states is the NCCI, the National Council on Compensation Insurance.
An owner of a business has the option to exclude themselves from their Work Comp coverage and thus save some money on their premiums. If you would like to take this option, please list each owner, their annual payroll, and the type of work they are specifically engaged in (ie: office work, sales, in the field, etc.)
Please list each classification along with its corresponding payroll. For example, you may have a "clerical" classification for your office employees with a corresponding payroll of $100,000, or a "salespersons" classification for your sales force with a payroll of $50,000.
This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.
Commercial Umbrella
A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.
Is there anything else that you would like us to know?