Garage

Your business is unique, with its own set of challenges and protection needs. That’s why we created our Iowa Mutual Premier Garage Program. It’s available to qualified garage service or repair operators, and your Iowa Mutual agent can make sure it’s the right tool for your business. This hardworking product combines a number of attractive coverages into one endorsement that can easily be added to your Premier Garage Program coverage.

As you consider Iowa Mutual’s Premier Garage Program, the information on this page will help you understand the basics of our garage coverage. And of course, your Iowa Mutual agent is always there to discuss your needs and how we can help you better protect your business.

• Personal Injury
• Advertising Injury
• Host Liquor Liability
• Fire Legal Liability for $50,000
• Incidental Medical Malpractice Liability
• Non-Owned Watercraft
• Additional persons insured

• Automatic liability coverage for newly acquired garage businesses
• Limited worldwide liability coverage
• Auto damage to leased property coverage
• Garagekeepers–Other property within a covered auto for $1,000
• Accounts Receivable for $5,000--if Business Personal Property (BPP) is insured
• Valuable Papers for $5,000

• Water Backup From Sewers or Drains for $10,000
• Money and Securities for $5,000 on premises; $2,000 off premises
• Business Interruption (including extra expense) for the actual loss sustained for 12 months
• Employee tools for $2,500 ($500 per employee)—if BPP is insured
• Personal property coverages including fuel pumps

• "Mechanics Professional Liability"–Coverage will pay for faulty workmanship or defective products on an auto in the event of a property damage loss. A minimum $250 deductible applies.
• Ordinance or Law Coverage for $50,000

• Umbrella
• Crime
• Property
• Automobile
• General Liability
• Inland marine

Your business may qualify for Iowa American in Property, Liability, Auto, Garage Repair Shops, and Workers’ Compensation.

 

Employment law can be a confusing topic, and there have been many changes over the years. That's why Iowa Mutual includes Employment-Related Practices Liability Insurance (EPLI) coverage with our Premier Garage Program. And, we're here to help with answers to many of your employment practices questions.

Included with Iowa Mutual's EPLI policies is 24/7 access to our online EPLI HELPLINE Support and Resource Center. Your username is your Iowa Mutual commercial policy number (AxxxxxxxMN, CCxxxxxxMN or CPxxxxxxMN).

 

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As an Iowa Mutual policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. Iowa Mutual Insurance has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

 

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGIM when prompted.

 

You have a lot to deal with just in the day-to-day operations of your business, and you might not have the time or resources to stay up to date with new federal regulations designed to protect your customers from identity theft.

The new stipulations are part of the Fair and Accurate Credit Transactions Act of 2003, and require businesses offering any kind of "covered account" or payment account to create their own identity theft "Red Flag" plan—or warning signs that indicate possible identity theft.

We're presenting informational resources to you in the form of a planning guide and frequently asked questions that can help you create your unique Red Flag plan.

 

The regulation defines a covered account as:

• An account primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, or;
• Any other account for which there is a reasonably foreseeable risk to customers or the safety and soundness of the financial institution or creditor from identity theft.

 

Because your business’ needs are unique, your plan will need to be tailored to your operation. You should consult legal counsel or your business association about specific issues of your plan.

 

 

No coverage is provided by this website. This website only illustrates coverages offered under Iowa Mutual’s Premier Garage Program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Iowa Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this website and the policy, the policy provisions shall prevail.