Garage Businessowners Policy with Pioneer State Mutual

Insurance solutions that keep your business running. Smoothly.

Insurance is an important and necessary tool for your business - a simple process that ensures a reliable safety net when you need it most. With more than 100 years of sound, secure performance, Michigan-based Pioneer State Mutual Insurance Company understands this. Our Garage BOP provides comprehensive coverage tailored specifically for your line of business – meeting your needs and exceeding your expectations.

With multiple classifications, discounts and features, our Garage BOP benefits include:

  • Automatic Increase feature for Building Limits
  • No Coinsurance
  • Exterior Building Glass
  • Exterior Signs attached to Buildings - $1,000 per sign
  • Electronic Data - $10,000 limit / up to $50,000
  • Interruption of Computer Operations - $10,000 limit
  • Fire Department Service Charge - $2,500 limit / up to $10,000
  • Fire Extinguisher Recharge - $5,000 limit
  • Money & Securities - $5,000 inside premises; $2,000 outside premises / up to $50,000 for either
  • Business Income - Actual loss sustained within twelve (12) consecutive months
  • Employee tools - $2,500 per occurrence at the described premises with a limit of $500 per employee (can be increased with separate Inland Marine Policy)

Optional Property Coverages

  • Equipment Breakdown
  • Water Backup and Sump Overflow - Limit up to $100,000
  • False Pretense
  • Data Compromise & Identity Recovery


  • Any customer’s auto care, custody and control
  • Test driving of a customer’s vehicle included
  • On-the-hook coverage included

Optional Liability Coverages

  • Garagekeepers Legal Liability Coverage Actual Loss Sustained
  • Garagekeepers Legal Liability Coverage is Direct Primary

At no additional charge we include:

Broad Form Products

  • Faulty Workmanship or Defective Materials

Broadened Coverages

Below is a partial listing of broadened coverages included in the form:

  • Personal Injury
  • Host Liquor
  • Fire Legal
  • Non-Owned Watercraft (less than 51 feet)
Check out our mobile app! With it you can pay bills, report claims, get your policy documents, and even access your Proof of Insurance!

Classifications Offered:

  • Auto Body Shops
  • Auto Glass Repair Facilities
  • Auto Detailing Shops
  • Auto Parts & Supplies Distributors
  • Auto Parts & Supplies Stores
  • Auto Quick Lube Services
  • Auto Repair or Service Shops
  • Boat Repair & Services
  • Car Wash – Self Service
  • Car Wash – Other Than Self Service
  • Gas & Oil Supply Stations
  • Gas Stations – Full Service
  • Gas Stations – Self Service
  • Telecommunication Equipment Providers
  • Tire Dealers
  • Upholstering Shops

Ask about the Pioneer Advantage!

This endorsement provides a package of coverage enhancements at a reduced cost.

Discounts Available!

  • Paid in Full Discount - 5% (Subject to Policy minimum)
  • Multi-Policy Discount - 10% with Commercial Auto or Commercial Umbrella

Guaranteed Rate Lock!

  • Your rates may be locked for three years
  • No additional premium charge

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Garage Businessowners policy. The information here is subject to policy terms and exclusions and does not replace your policy language. Read your full policy carefully, and ask your Independent Insurance Agent if you have specific questions.

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