For auto parts stores with service centers

We stock a better shelf-to-shop insurance package Our Deluxe Insurance Program for Auto Parts Stores gives you more protection than most garage policies you’ll find. Our package includes the special coverages you need for your business, plus you can add plenty of optional coverages and related life insurance protection. In a single package, we’ll insure everything from your inventory of wax and wipers, fuel pumps and hubcaps to the lifts, compressors and employees’ tools in your service center. We’ll also protect you against injury to your customers and damage to their cars, plus much more.

If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.

You’re covered over the counter and under the hood Our program begins with solid insurance coverage for your buildings, inventory, service bays, tools, and practically every item your business may own or hold in its care. Your property is insured on a replacement cost basis—with no coinsurance penalties—against fire, explosion damage from vehicles (other than yours), burglary and robbery, and most other causes of loss.

To provide for seasonal variations in the value of your inventory, we’ll automatically increase coverage for business personal property during your peak periods, And we provide you with unlimited business income and extra expense coverage for up to full year. Within that year, we’ll continue coverage for up to 30 days after repairs are complete if your income has not returned to normal levels.

Your property coverage also includes these extraordinary features geared to your specific needs:

Money, credit card slips, checks and other securities that are stolen or destroyed on or off your premises.
Leased property that is damaged by motor vehicles, trailers or an auto hoist collision.
Employees’ tools and customers’ personal belongings that are stolen or damaged while in your care.
Pollution cleanup required as a result of fire or other covered losses.
"Reward money" for information leading to an arson or theft conviction following a covered fire or theft loss.
Prepare inventories, appraisals and other data you may be asked to provide in connection with a claim settlement.

Plus other special features are automatically included:

Accounts receivable
Business personal property off premises
Valuable papers & records
Trees/shrubs/plants
Sewer/drain backup
Fire department service charge
Vandalism to rented buildings

Sales-to-service liability protection Our comprehensive liability coverage protects you against damage and injury claims arising from all operations and premises you own, lease or manage. You are also protected if, due to your negligence, a product you sell or work you perform causes damage or injury.

Beyond that, we include a host of special coverages that are normally "pay-for extras" or not available at all. Key among them is liability protection for damage you accidentally cause to:

A customer’s auto We provide comprehensive and collision coverage on a legal liability basis.
A building you rent Fire loss is covered.

Optional coverages for your business We offer over 35 options to help you customize your insurance program, including:

Exterior and interior glass Specifically insures your building glass against breakage and eliminates your deductible and dollar limitations for individual panes.
CompuPak® Comprehensive coverage to insure your information processing systems against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many other types of loss. Covers both your hardware and software.
Systems breakdown For heating, air conditioning and electrical systems used to maintain your business.
Owned autos Liability and physical damage coverage is custom-rated to your operation.
Group coverages Group term life and short-term or long-term disability coverage is available to protect—and help you retain—your employees. The cost is surprisingly low.
Employee dishonesty With your choice of limits per occurrence.
Building ordinance or law coverage To cover increased costs in construction related to local or federal regulations.
Employment practices liability This coverage protects you against loss resulting from a wide range of employee lawsuits, including discrimination, sexual harassment and wrongful termination.
Employee benefits liability coverage To protect you against errors and omissions in administering your employee plans.
Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal way to meet your legal requirements (ERISA) to protect plan participants against theft of funds.
Workers compensation Yes, this absolutely essential coverage is available for your business. Ask your agent for details.
Higher limits In addition to a wide selection of options, you may purchase higher limits for most built-in coverage features, including: employees’ tools; garagekeepers coverage; valuable papers and records; damage to leased property; and fire legal liability.

Life insurance to protect you and your business We can also handle all of your business life insurance needs. Some examples include:

Key employee coverage Designed to protect your business upon the loss of a key employee. Funds can be used to find, hire and train a replacement, as well as compensate for lost business during the transaction.
Simplified pension plans Owners of small businesses can turn to either a SEP-IRA or a Simple IRA to get the benefits of a qualified pension plan without the higher administrative costs and paperwork hassles.
Debt protection This coverage can secure the funds needed to pay off a company’s debt upon the death of an owner, helping the business continue as a viable entity during this difficult time.
Non-qualified executive plans A business may want to reward key people in the organization with such executive plans as deferred compensation, executive bonus and split dollar coverage. Each plan rewards the executive while tying them more closely to the continued success of the business.

Your other coverage needs Harleysville offers a full line of products to cover all of your other business and personal protection needs:

Automobile For your business and personal use
Homeowners Complete coverage for your personal property and liability needs
Life Choose from a wide variety of life insurance plans to protect you and your family
Excess liability Broader coverage for losses above the limit of your underlying policies
Shipmate® Coverage for your boat and liability for protection for you
And much, much more

Want to know more about our special program for auto parts stores with service centers? Contact an agent in your area, or get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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