Eligible risks for the auto services segment include: repair shops; service stations; and storage garages and other public parking places. The ISO commercial lines manual (CLM) lists the following classifications as eligible for this program:

     a. Automobile Quick Lubrication Services;
     b. Automobile Repair or Service Shops;
     c. Automobile Repair Shops – self-service;
     d. Automobile Rust proofing;
     e. Automobile Storage;
     f. Car Washes – self-service;
     g. Convenience Food/Gasoline Stores – full service;
     h. Convenience Food/Gasoline Stores – self-service;
     i. Convenience Food/Gasoline Stores – full and self service combined;
     j. Car Washes – other than self-service;

k. Gasoline Stations – full service;
     l. Gasoline Stations – self-service;
     m. Gasoline Stations – self and full service combined;
     n. Parking – public – open air; and
     o. Parking – public – not open air.

The following are not eligible for this program: automobile, motor home, mobile home, trailer, and motorcycle dealers.

This treatment provides information on the auto service risks coverage form, MS AS 01 11 02. The endorsement modifies the CGL forms, the building and personal property coverage form, and the causes of loss—special form. These policies are analyzed in the following pages: see CGL Coverage Form—Coverage A; see CGL Coverage Form—Coverage B; see Medical Payments; see General Provisions of the CGL; see Building and Personal Property Coverage Form; and see Causes of Loss.

Topics covered:
Introduction
Changes to the commercial property form
Additional coverages
Coverage extensions
Changes to the causes of loss – special form
Change to the CGL form – premium audit
Definitions
Endorsements

Introduction

Endorsement MS AS 01 modifies the CGL form, the commercial property form, and the causes of loss – special form. The modifications tailor these forms to the needs of the auto service risk. The endorsement adds property and crime coverages and modifies the premium audit section of the CGL form. Endorsements are also available to add legal liability coverage for customers' cars; direct damage coverage for customers' cars; hired and non-owned auto coverage; and mechanical breakdown coverage. These endorsements are discussed later in this treatment.