Repair Services - Truck Repair

Truck repair facilities have a unique exposure because the loss can occur on their site or away from their facility as a result of the work than has been performed. Some of the equipment needed to repair large vehicles is specialized and expensive; smaller tools are particularly vulnerable to theft. Shops contain pertroleum products that must be properly stored to prevent fire and disposed of to prevent pollution. The account needs both a producer and an underwriter who understand the risk in order to adquately protect the insured.

This program is designed to target the independent repair facility that focuses primarily on commercial vehicles. This can take the form of repair to trucks from medium to heavy, tractors and trailers, contractor’s equipment, and dry land marine. We are looking to write a complete package policy that covers all aspects of the shop whether on the premises or making repairs off site.

In addition to the standard coverage, we have also made the Auto Repair Services Coverage enhancement available. This form is specific to Garages and includes coverage for Employee Dishonesty, Fire Department Service Charge, Money Orders, Counterfeit Currency, Outdoor Property, Outdoor Signs, Employee Tools, and more. We hope the addition of this endorsement makes it even easier to meet your insured's needs on a single policy.

Access to this program is easy, just complete the form on the New Appointment page. Be sure to answer yes to receive a garage application so you can submit your business right away.

Eligible Classes

Vehicles repaired cover the range from Trucks and Trailers to Contractor’s and Farm Equipment to Dry Land Marine :

Work Performed
  • Oil/Lube/Tune-Up
  • Body Work/Painting
  • Engine Work
  • Refrigeration Repair
  • Hydraulics
  • Mobile Repair
  • Frame/Suspension
  • Tire Replacement and Repair

Coverages Available
  • Auto Liability and Physical Damage
  • On-Hook
  • General Liability
  • Garage Keepers Legal Liability
  • Contractor’s Equipment
  • Property including the option for Equipment Breakdown

Examples of Target Risks

  • Trucking company that does maintenance on their sub-hauler’s trucks. Mostly oil, lube, and engine repair with some brake work. One service truck and two mechanics. Coverage Written: Auto Liability, Physical Damage, General Liability, Contractor’s Equipment (small tools floater) and Garage Keepers Legal Liability
  • Semi-Truck Repair, 98% Heave Truck and 2% Heavy Equipment. Engine, Oil and Lube with some welding and alignment. Almost all repairs are done at insured’s garage. Coverage Written: General Liability, Property, Garage Keepers Legal Liability
  • Mobile truck reapir that does the majority of his work at the weigh scales with the balance of the work being readside assistance. Three employees and three service units. Coverage Written: Auto Liability, Physical Damage, General Liability, Garage Keepers Legal Liability and Contractor’s Equipment (small tools floater)


The Repair Services program may be written only if all garaging locations are within the following states:

More Information

If you are not yet appointed with Bellingham Underwriters and are interested in our garage program, please sign up on the New Appointment page. Be sure to answer yes to receive a garage application so you can submit your business right away. If you would like to seek a full appointment and gain access to all that BUI has to offer, be sure to come back here to log in and continue the appointment process.

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Repair Services

Dry Land Marine Repair

Property and GL coverage provided for repair and maintenance facilities performing services away from the water.

Repair Services

Mobile Equipment Repair

Policies provided for on-site repair operations with specific coverage for equipment when under the custody of the insured.

Repair Services

Truck Repair

A package policy specifically designed for garage repair facilities performing maintenance on commercial vehicles.