Utica First’s Auto Services Coverage:
Utica First makes insuring Auto Repair and Auto Service businesses simple and easy for our agents and brokers. Whether it’s a family-owned shop or a partnership, we offer flexible coverage options that fit your clients’ needs. From Building, Contents, and Loss of Income to Liability, plus add-ons like Garagekeepers Liability and customizable tool limits, we have you covered.
With built-in Systems Breakdown coverage and the option to add our Maximizer Endorsement, you can offer your clients a robust policy at a competitive price. Best of all, quoting is fast and easy!
Here’s what we're looking for: Clean, Well-Maintained, Year-Round Restaurant Types
- General Auto Repair Shops
- Auto Painting (with NFPA-approved spray booth)
- Audio Systems Installation
- Auto Upholstery Shops
- Transmission Shops
- Transmission Shops
- Collision Shops (with NFPA-approved spray booth)
- Oil Change/Quick Lube Shops
- Auto Alarm Installation
- Auto Glass Repair
- Remote Starter Installation
- Auto Detailing
- Sunroof Installation
- Rustproofing
- Repair Shops with incidental food or retail store
Risks outside the scope of our programs:
- Full-time Auto Sales/more than seven per year
- Auto Leasing or Rental Operations
- Heavy Vehicle Repair (over 20,000 GVW)
- Contract Towing (towing for your own shop is OK)
- Risks with unacceptable MVRs
- Tire Sales more than 25% of total sales
- Tire Recapping, used tires or vulcanizing
- Junkyard or Pick and Pull operations
- Salvage or Dismantling operations
- Antique or Classic Car operations
- Vehicle Modifications or Motorcycle shops
- Risks with Self-Service or rented out bays
- Risks with Guard Dogs
- Risks doing repairs on Auto Fleets
- No Gas Sales; we cannot provide dealer or transfer tags.
Agents are our "Front Line" Underwriters. Call Us If:
- Owner or employees have questionable MVRs
- Risk has suffered more than two losses in last three years
- Risk has any cooking on premises
Discuss with your insured:
- Contents coverage is mandatory under our program (minimum $5,000)
- Limit for Theft of Employee tools is $500 per employee, $2,500 per occurrence
- Garage tools are covered up to $5,000 off premises
- Pollutant Cleanup is limited to $25,000 maximum
- Systems Breakdown Coverage and Cyber Liability ($100,000 Aggregate Limit) are both automatically included with your quote
