Automotive Aftermarket

The auto aftermarket can be a challenging market segment because it takes expertise to be able to properly cover and adjust the claim. It encompasses general auto repair, transmission repair, auto body repair and painting, tire sales and repair, wholesale tire distribution wholesale and retail parts, salvage parts, non- franchise auto dealers and towing.

Protecting the businesses that keep our cars running

Often the greatest concern for any shop involved repair is dealing with the Bailee issue of customers autos in their care, custody, and control.   What is their legal responsibility to insure vehicles that are kept in a secure location (normally inside a building or behind fencing)?  Must they reimburse their client for damages, even if they have properly secured the vehicle? There is flexibility within the garage- keeper’s coverage.  Options are legal liability, direct primary or excess legal liability.   Legal liability means proving negligence; direct primary covers regardless of negligence; excess legal covers on a legal liability basis beyond what the customer’s insurance covers in an event of a loss.

Any entity that works on or makes an adjustment to the vehicle has a garage liability exposure.  It is absolutely necessary that this coverage is carried because its language is specific to the automotive repair industry. This could involve tire repair and mounting, brake work, transmission repair, body frame repair, driveshaft removal prior to towing.  Garage liability defends a suit alleging bodily injury or property damage resulting from the work on the vehicle.    Used auto dealers have a garage liability exposure but are usually rated on driver usage and dealer tags

Insurance and Risk Mitigation Services for:

  • General Auto-repair
  • Transmission repair
  • Auto Body repair
  • Painting
  • Tire Sales and repair
  • Wholesale Tire Distribution
  • Wholesale and Retail Parts
  • Salvage parts
  • Non- franchise Auto Dealers
  • Towing

In Our Customers Words

Other Insurance Products

Business Insurance

From liability to asset protection, every business has unique needs.  Talk to our agents that specialize in helping to protect your business.

Personal Insurance

Personal insurance is more than just Home and Auto.  Our agents understand that insurance is about protecting the people, places, and things around us.

Specialty Areas

When businesses have very unique needs, we have agents with the experience necessary to help you make sound decisions on complex coverage options.

Contact an Agent

Salisbury Office

Salisbury Office:
317 Jake Alexander Blvd S
PO Box 4078
Salisbury, NC 28147

Phone: 704-636-5311
Fax: 704-636-7141


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Mooresville Office

283 N Church St
Mooresville, NC 28115

Mooresville Office:
283 N. Church St.
PO Box 706
Mooresville, NC 28115

Phone: 704-664-2973
Fax: 704-664-2416