Choice Auto Repair Service (CARS)


Millions of cars and trucks are on the road every single day, and your auto service is there to keep them moving. The complex, heavy machines in your bays and your office need more than just standard business insurance — they need a policy that’s perfect for the service industry. That’s what you’ll get with CARS coverage. 


Accounts Receivable

We offer additional coverage of up to $35,000, with no deductible, for accounts receivable.


Business Income and Extra Expense – No Waiting Period

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs for the actual loss sustained.


Employee Tools

You and your team need tools that work. We'll cover your tools up to a limit of $10,000.


Motor Vehicle Damage to Leased Property

If a car moves where it's not supposed to and causes damage to a building or other property you're leasing, we'll cover the costs up to $5,000.


Damage to Premises Rented to You

The limit for this coverage is $50,000 in damage to premises rented to you. There is an additional limit for damage from fire and lightning, smoke, soot, or leakage from a fire protection system.


Employee Dishonesty

It’s unfortunate, but it doesn’t have to be a danger. This endorsement will pay for direct losses caused by a dishonest act by an employee up to $25,000.

Money and Securities

We’ll pay for loss of money or securities in connection with theft or destruction of money or securities. The limit is $25,000.



Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.

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