MSO Garage Program

The Garage Program is designed for nondealer risks such as gas stations, repair shops and lube shops. It is a self-contained package, including Property, Liability and Garagekeepers’ coverage provisions in one easy to use form. Coverage for employees’ tools, liability for customers’ autos, and a $20,000 Garagekeepers’ limit are some of the built-in coverages.

Garagekeepers’ may be written on a Legal Liability, Direct Primary or Direct Excess basis. Property coverage is on a replacement or actual cash value basis. Coverage for owned autos can be provided using the MSO Commercial Auto policy added to the Garage package or on a stand-alone basis. The many coverage options enable you to compete with other specialty programs.