Garage Program

Recent Successes

Used Auto Dealer

4x4 Auto Repair Shop - Jeeps

Monoline DOL with Prior Wind/Hail Loss

5 Location Garage Repair and Sales

Heavy Truck Repair - Liability/Garagekeepers

Used Auto Dealer with Repair

RV Rental - Parts Sales and Budget Truck Rental

Mobile Diesel Repair
WestPac/Virtus Roadshow
In 2019, our WestPac/Virtus marketing team is hitting the road as we look to grow new relationships and expand our geographical reach. 
We're targeting Idaho, Arizona, Nevada and Kansas & Missouri. Look to hear from Alexandra or Steve as they are in your area, or reach out to them for an appointment!
Upcoming Trips

Phoenix/Tucson - 6/10 - 6/12
Kansas City - 6/25 - 6/27
Idaho- TBD
Nevada - TBD

Virtus' Garage specialty continues to shine as we regularly bind non-franchised car dealers, mobile and brick and mortar repair facilities, and other garage-related accounts. Agents can trust that their Garage business is underwritten by a knowledgeable and experienced team with multiple carrier options and broad capabilities.
Eligible Operations
Non-Franchised Dealers
  • Auto/Truck Brokers
  • Auto or Truck Dealers
  • Heavy Truck Dealers
  • Equipment Dealers
  • Motorcycle Dealers
  • RV/Trailer Dealers
  • Auto Auctions
  • Boat Dealers
  • Consigned Auto Sales

  • Heavy Truck Repair
  • Auto/Truck Repair
  • Equipment Repair
  • Motorcycle Repair
  • Antique Restoration and Repair
  • Recreational Vehicle Repair
  • High Performance
  • Off Road Repair Shops
  • Boat Repair

  • Paint & Body Shop
  • Car Wash/Detailing
  • Parking & Valet
  • Service Stations
  • Tire Services and Tire Stores considered      
  • Lift Kits considered up to 6 inches

Program Highlights
  • $750 minimum premium
  • A.M. Best "A" rated E&S markets
  • Admitted options available for eligible repair risks
  • Monoline Garage Liability, Dealer's Open Lot, and Garagekeepers policies available
  • Garage Liability limit: Up to $5M available 
  • Fire Legal Liability limit: Up to $300K
  • Dealer Open Lot (DOL) limit: Up to $10M per location/$250K per auto
  • Garagekeepers: Up to $5M per location
  • New ventures accepted
  • Loss free credits available
  • Risks with large hail losses considered
  • Other coverages available: DOC, Theft Buy-Back, False Pretense, and Broadened Coverage Endorsement

Good to Know's
  • Fewer carriers are considering DOL with prior wind/hail claims
    • Higher claim value means higher deductibles
  • Comparing Quotes, ASK US!
    • Garage coverage is specific to your operation
    • A large difference in premium could mean a big difference in coverage
    • Is E&O Coverage a part of your quote?
    • Is False Pretense included?
    • Is Drive Other Car coverage included?
  • Lot Protection type and size will directly affect premium
  • 100% Coinsurance required
    • "The percentage of value the policyholder is required to insure"
    • Ex: If inventory is valued at $100,000, your lot limit should be $100,000


Contact Us

Click here to download an application
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