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Additional Coverage

Public Auto Insurance

Public Auto Insurance typically refers to insurance coverage for vehicles that are used for commercial or public purposes, rather than private or personal use. This type of insurance is often required for businesses or individuals who operate vehicles in the public domain, providing transportation services or conducting commercial activities. Here are a few common examples and contexts where public auto insurance may be relevant:

  • Limousine
  • Motorcoach
  • School Bus & Transit Bus
  • Vanpool
  • Commercial Auto & Garage

Public Auto Insurance typically provides coverage for bodily injury and property damage liability, medical payments, and sometimes coverage for the insured vehicle itself. The specific coverage and requirements may vary based on the type of vehicles, the nature of the business or activities, and local regulations.

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Artisan Contractor Commercial Auto Liability

Artisan Contractor Commercial Auto Liability refers to insurance coverage designed for artisan contractors who use vehicles for commercial purposes. Artisan contractors are skilled tradespeople who typically work on construction projects, providing specialized services. When these contractors use vehicles for business-related activities, they need commercial auto liability insurance to protect themselves and others from potential liabilities arising from accidents or other incidents involving their vehicles.

Who can be included in Artisan contractor: -

  • Carpenters
  • Electricians
  • Painting Contractors
  • HVAC Contractors
  • Plumbing Contractors
  • Glaziers
  • Pool Maintenance Contractors

Artisan Contractor Commercial Auto Liability is an essential component of a comprehensive insurance strategy for artisan contractors, helping them manage the financial risks associated with vehicle-related accidents during their business operations. Contractors should work with insurance professionals to customize coverage based on their specific needs and risks.

Garage Liability

Garage Liability Insurance is a type of insurance coverage designed for businesses that operate in the automotive industry, such as auto repair shops, service stations, dealerships, and other businesses that provide various services related to vehicles. This insurance is specifically tailored to address the unique risks and liabilities associated with these types of businesses.

Garage Liability Insurance include:

  • Liability Coverage: Garage liability insurance provides coverage for bodily injury and property damage liabilities that may arise from the operations of an automotive-related business. This can include accidents that occur on the business premises or because of the business's activities.
  • Customer Vehicles: Many automotive businesses work on customer vehicles. Garage liability insurance can cover damages to customers' vehicles while they are in the care, custody, and control of the business, protecting the business from potential liability claims.
  • Premises Liability: Coverage extends to liabilities arising from accidents that occur on the business premises, such as slips and falls. This helps protect the business owner from legal and financial consequences associated with such incidents.
  • Products and Completed Operations: Garage liability insurance often includes coverage for liabilities arising from products sold or services performed by the business. This can be crucial in the automotive industry, where completed operations and the quality of services provided are significant considerations.
  • Legal Compliance: In many jurisdictions, garage liability insurance is a legal requirement for businesses operating in the automotive sector. Compliance with insurance regulations is essential to avoid legal penalties and ensure financial responsibility.

Whether you're an owner-operator functioning independently in the trucking industry or partnered with a motor carrier, safeguarding yourself from liability is crucial. Our aim is to assist you in securing the necessary liability coverage while also saving you money. We offer the opportunity to obtain complimentary quotes from numerous insurance providers. Give us a call at 909-291-6479 or email us at

Crossroads Insurance Services

License No. 6004461