Consult with your insurance agent about the key coverages shown below as well as the industry customizations we make available that might be best suited for your business.
Businessowner’s Policy (Property & Liability)
- Property limits up to $20 million
- Liability limits up to $1 million/occurrence, $2 million/aggregate
- Auto Services Endorsement
(Features eight additional bundled coverages and extensions) - Auto Services Deluxe
(Provides coverage for defective products and faulty work) - Car Wash – Damage to Customers’ Autos
- Garage Liability
- Garagekeepers – Direct Primary and Legal Liability
- Hired Auto Physical Damage
- Off-Site Tools and Equipment
- Additional Insured – Garage Operations
- Learn more
Commercial Auto
- Physical damage for commercial vehicles up to $250,000; private passenger vehicles (used for commercial purposes) up to $75,000
- Liability up to $1 million combined single limits
- Business Auto Broad Form
(Extends coverage and limits and includes hired car physical damage coverage up to $75,000) - Learn more
Commercial Umbrella
- Typical liability limits up to $1 million
- Learn more
Workers’ Compensation
- Medical expense coverage
- Indemnity payments for time away from the job
- Employer’s liability coverage
- Learn more
Certain eligibility requirements and all company underwriting guidelines apply.
SELF-SERVICE
We make it easy for our customers to self-service through our online Policyholder Service Center and BHGUARD mobile app.
- Make a premium payment
- View and print policy documents
- Generate a certificate of insurance
- Report a claim (select lines of coverage)
- Upload a photo/document for claims reporting
- Review any claims and message with the adjuster
- Generate loss runs
- Perform a Workers' Comp premium audit
- Download Workers' Comp posting notices
- Print Commercial Auto ID cards
- Chat online with a company representative
Current policyholders can sign up for electronic delivery via our Policyholder Service Center.
LOSS CONTROL
- Online training videos
- Educational/safety flyers
- Do-It-Yourself Loss Control Guide for Workers’ Comp
- Help with OSHA compliance
- Safety Committee Training
- Other resources
CLAIMS
- 24/7 reporting via 1-888-NEW-CLMS
- Physician Look-Up
- Preferred medical provider panels
- Return-to-Work Program
- Electronic property claims payments
- Timely estimates and appraisals
- Expert subrogation team with national network of attorneys
- Specialized litigation and fraud units
- Seasoned catastrophe response team
Not all services pertain to all lines of coverage.
Our customers may be eligible for:
- Automotive Industry Safety Group Dividend Plan
- Drug-Free Workplace Credit
- Safety Program Credit
- Multi-Policy Discount
- Premium discounts for certified shops with ASE Blue Seal of Excellence, AAA Approved Auto Repair, or I-Card Gold Designations
- Other potential savings based on past loss history, the age and condition of your building, employee experience, and other unique business characteristics
Not all credits, discounts, or dividends apply in all states or pertain to all lines of coverage.
