Eligibility Guidelines

• The owner must have a minimum of three years management experience in the type of business being insured.
• The business must be financially stable.
• The business must have favorable loss experience and no evidence of loss frequency.
• Insurance must not have been declined or canceled in the past three years.
• Buildings insured must not be vacant, unoccupied or have a seasonal occupancy.  Where the owner operates another business operation, refer to company.
• Buildings must be 60 years old or newer, with systems updated within the past twenty-five years. Buildings newer than twenty-five years do not require updates.Updates include roof, heating, plumbing, and electrical.
• Customers must not be allowed in the shop area.
• All drivers, including business owners, must have acceptable driving records and three years driving experience.
• Final inspections must be conducted on all vehicles before being released to customers.
• There are no current cited violations for fire or life safety codes.
• There are no guard dogs or firearms on the premises.