1(globalThis.TURBOPACK||(globalThis.TURBOPACK=[])).push(["object"==typeof document?document.currentScript:void 0,79245,e=>{"use strict";var a=e.i(43476),t=e.i(71645),o=e.i(26869),i=e.i(7646),s=e.i(23875),r=e.i(87203),n=e.i(22158),l=e.i(48405),c=e.i(46408);let d=(0,c.brandOf)(i.default),{INK:h,RED:p,GREY:u,WHITE:m,BODY_FONT:g}=d,y=c.ASSETS,w="Auto repair shop insurance",b="Auto repair shop insurance combines garage liability, garagekeepers cover for customer vehicles in your care, workers compensation and commercial property. Garagekeepers is the distinguishing cover, because standard general liability will not pay for a customer's car.",v="Talk to an expert",f=[{label:"What does your shop mainly do? *",placeholder:"General repair, diagnostics, tyres, fleet",wide:!0},{label:"First Name *",placeholder:"John"},{label:"Last Name *",placeholder:"Smith"},{label:"Business Name *",placeholder:"Your business",wide:!0},{label:"Email *",placeholder:"[email protected]"},{label:"Phone Number *",placeholder:"(512) 555-0123"},{label:"ZIP Code *",placeholder:"78704"},{label:"Vehicles on site overnight",placeholder:"8"}],x="By checking this box and providing my phone number, I consent to receive quote follow-up and policy service text messages from Rosella Brokerage. Up to 4 messages per month. Message and data rates may apply. Reply HELP for help or STOP to unsubscribe. Consent to receive text messages is not a condition of any purchase or service. See our SMS Terms and Privacy Policy.",k={eyebrow:"Core coverage",h2:"What auto repair shop insurance covers",intro:"Two covers do the work here, and the second one is the reason a garage policy is not simply a contractor policy with a different name on it.",big:{icon:`${y}/icons/ar-car.png`,iconAlt:"Car icon representing garagekeepers cover",lead:"Garagekeepers.",rest:" Customer vehicles, while they are yours to look after.",body:"Damage to a customer's car while it is in your care, custody or control: on the lift, in the bay, in the lot overnight, or on a test drive. General liability specifically steps around property in your keeping, which is why a shop without this is uninsured for the thing most likely to happen."},small:{icon:`${y}/icons/ic-gl.png`,iconAlt:"Shield icon representing garage liability cover",lead:"Garage liability.",rest:" Everyone who is not your customer's car.",body:"Third-party injury and property damage from your premises and your operations. A customer who slips in the waiting area, damage caused by a vehicle you were operating, and the completed-operations half that answers for a repair that fails after the car leaves."},rest:[{icon:`${y}/icons/ic-wc.png`,iconAlt:"Hard hat icon",title:"Workers compensation",body:"Lifts, hot exhausts, compressed air, batteries and heavy components. Frequency lives with hands and backs; severity lives with anything that involves a vehicle coming down."},{icon:`${y}/icons/ex-vehicle.png`,iconAlt:"Steering wheel icon",title:"Commercial auto and drive-other-car",body:"Your own vehicles, plus the cover that answers when a technician drives a customer's car. Test drives and collections are where garage claims most often happen off the premises."},{icon:`${y}/icons/ic-property.png`,iconAlt:"Building icon",title:"Property, lifts and equipment",body:"The building or the fit-out, hoists, alignment rigs, diagnostic gear and the stock on the shelves. Equipment here is heavy, fixed and expensive to replace in one go."},{icon:`${y}/icons/ar-drum.png`,iconAlt:"Oil drum icon",title:"Pollution and waste handling",body:"Waste oil, solvents, coolant and batteries. Standard wordings exclude pollution, and a garage generates it every day, which makes this an endorsement rather than an afterthought."},{icon:`${y}/icons/ex-design.png`,iconAlt:"Clipboard icon",title:"Faulty work and products",body:"The repair that does not hold, or the part that fails. Distinct from garagekeepers, because this is about the work rather than about custody of the vehicle."}],closing:"Garagekeepers is also the cover most often held at the wrong limit, because the limit has to contemplate the whole lot on a bad night rather than one car. Our brokers size it against ",link1:{text:"how many vehicles sit on site overnight",href:"/insights/garage-liability-vs-garagekeepers"},mid:" rather than against an average, and check the equipment schedule against ",link2:{text:"what a hoist actually costs to replace",href:"/solutions/commercial-property-insurance"},tail:" while they are there."},j=[{tag:"Carries the weight",lead:k.big.lead,rest:k.big.rest,body:k.big.body},{tag:"Carries the weight",lead:k.small.lead,rest:k.small.rest,body:k.small.body},...k.rest.map(e=>({tag:"Fills a gap",lead:e.title,rest:"",body:e.body}))],N={"ex-workmanship":"wrench","ex-refrigerant":"cylinder","ex-co":"flame","ex-custody":"box","ex-injury":"cross","ex-vehicle":"van","ex-theft":"padlock","ex-design":"calc","ic-wc":"hardhat","ic-property":"building","bd-ladder":"ladder","ic-auto":"van","ic-gl":"shield","bd-subs":"handshake","bd-tor
1ch":"torch","bd-chat":"chat","ic-equipment":"gauge","ic-floater":"box","ic-pollution":"cylinder","ar-car":"car","ar-drum":"drum"},T=e=>N[e.split("/").pop().replace(".png","")]??"shield",C=["repair","diagnostics","tyres","fleet"],A={repair:{label:"General repair",title:"General mechanical repair",image:`${y}/autorepair/op-repair.jpg`,alt:"Mechanic working under the open hood of a car in a workshop bay",body:"Servicing, engine and transmission work, suspension, exhaust. The bread and butter, and the work that keeps the largest number of customer vehicles on your premises at any one time.",asked:"Bay count, vehicles on site overnight, average vehicle value, and whether you keep keys on site",claim:"Damage to a vehicle in the bay or the lot, fire, a repair that fails after collection",endorse:"Garagekeepers at a limit sized to the full lot, completed operations, drive-other-car",watch:"Garagekeepers limits are usually set per location, not per vehicle. One bad night involves every car you are holding, not the one you were working on."},diagnostics:{label:"Diagnostics and electrical",title:"Diagnostics, electrical and ADAS",image:`${y}/autorepair/op-diagnostics.jpg`,alt:"Technician holding a diagnostic tablet beside an open engine bay",body:"Fault finding, modules, wiring, and increasingly the camera and radar systems that drive the car when the driver is not. Skilled work with a long tail behind it.",asked:"Whether you calibrate driver-assistance systems, what equipment you hold, and who signs the work off",claim:"A system that behaves incorrectly after your work, and the collision somebody attributes to it",endorse:"Completed operations, faulty work cover, calibration confirmed within your declared scope",watch:"An uncalibrated safety system fails silently. Nobody discovers it in the car park; they discover it at forty miles an hour."},tyres:{label:"Tyres and brakes",title:"Tyres, brakes and fast fit",image:`${y}/autorepair/op-tyres.jpg`,alt:"Wheel and brake disc removed and resting beside a workshop bench",body:"High volume, quick turnaround, safety-critical every single time. Low value per job and disproportionate consequences when one is wrong.",asked:"Volume per week, whether torque is documented, and whether you fit customer-supplied parts",claim:"A wheel that comes loose after fitting, brake failure attributed to your work, damage to alloys",endorse:"Products and completed operations, faulty work, customer-supplied parts position confirmed",watch:"Fitting a part the customer supplied does not move the liability off you. Agree in writing who is answerable if it fails."},fleet:{label:"Fleet servicing",title:"Fleet and contract servicing",image:`${y}/autorepair/op-fleet.jpg`,alt:"Row of plain white commercial vans with bonnets open inside a workshop",body:"Contracted maintenance for operators who need the vehicles back. Steady revenue, larger custody exposure, and a customer who can quantify downtime precisely.",asked:"Fleet size, contract terms, how many vehicles you hold at once, and whether you collect and deliver",claim:"Damage across several vehicles at once, and business interruption claimed by the operator",endorse:"Higher garagekeepers limit, additional insured for the operator, contractual liability review",watch:"A fleet contract can hand you responsibility for downtime as well as damage. That is a contractual liability, and it is not automatically insured."}},q="Your shop",$="Four shops, four different policies",S="Most shops do several of these. What moves the file is not the work so much as how many vehicles you are responsible for at once, and whether any of them leave the premises with your staff in them.",W="If you have taken on a fleet contract since the last renewal, the garagekeepers limit set for a retail shop is almost certainly now too low.",I="The car is not covered by the policy you think",R="This is the single most common gap in an auto repair programme, and it is not an obscure clause. General liability excludes property in your care, custody or control by design. A customer's vehicle sitting on your lift is the definition of property in your care, which means the cover that answers is garage
1keepers, or nothing does.",H="Where the line falls, in practice:",E=[{covered:!0,tag:"Covered",text:"A car damaged on your lift or in your lot, where garagekeepers is in force and the limit reaches. This is the whole reason the cover exists."},{covered:!1,tag:"Not covered",text:"The same car, on general liability alone. The care, custody and control exclusion removes it, and no amount of general liability limit changes that."},{covered:!0,tag:"Covered",text:"A vehicle damaged on a test drive, where drive-other-car or the equivalent extension has been added."},{covered:!1,tag:"Not covered",text:"The customer's belongings inside the car. Personal property in a vehicle is usually excluded outright, which is worth saying at the counter rather than after."}],G="The limit matters as much as the cover. Garagekeepers is generally written per location, so the number has to contemplate every vehicle on the premises on your busiest night, not the value of the one you happened to be working on. A shop holding eight cars overnight is carrying eight cars of exposure. Have the limit checked against ",O={text:"the number you actually hold overnight"},F=", not against an average week.",B={eyebrow:"The gaps",h2:"What auto repair shop insurance does not cover",intro:"Eight that matter on a garage schedule. The first is the reason this trade needs its own policy rather than a contractor's.",cards:[{icon:`${y}/icons/ar-car.png`,iconAlt:"Car icon",title:"Customer vehicles, under general liability",need:"Garagekeepers. Care, custody and control is excluded from general liability by design, so the one thing you hold most of is the one thing it will not answer for."},{icon:`${y}/icons/ex-custody.png`,iconAlt:"Cabinet icon",title:"Belongings inside the vehicle",need:"Rarely anything. Personal property in a customer's car is usually excluded outright. Say so at the counter and put it on the work order."},{icon:`${y}/icons/ex-workmanship.png`,iconAlt:"Faulty work icon",title:"Redoing the repair itself",need:"Nothing. Resulting damage is generally covered, the labour to put your own work right is not. Price comebacks into the job."},{icon:`${y}/icons/ex-vehicle.png`,iconAlt:"Steering wheel icon",title:"Test drives and collections",need:"Drive-other-car or an equivalent extension. Once a technician is behind the wheel on a public road it is an auto exposure, not a premises one."},{icon:`${y}/icons/ar-drum.png`,iconAlt:"Oil drum icon",title:"Waste oil, solvents and coolant",need:"A pollution endorsement. Standard wordings exclude pollution, and a garage produces it daily rather than exceptionally."},{icon:`${y}/icons/ex-injury.png`,iconAlt:"First aid case icon",title:"Employee injury",need:"Workers compensation. Garage liability answers for third parties, and a technician under a raised vehicle is not a third party."},{icon:`${y}/icons/ex-theft.png`,iconAlt:"Open padlock icon",title:"Tools and diagnostic equipment",need:"An equipment schedule that is current. Diagnostic gear is expensive, portable and frequently missing from a policy written years ago."},{icon:`${y}/icons/bd-subs.png`,iconAlt:"Two hard hats icon",title:"Work you send out",need:"A certificate from the machine shop, the auto electrician or the mobile tech. Work you subcontract can return as your claim."}],closinga:"The pattern is that a garage policy answers for custody and for operations as two separate ideas, and most underinsurance here comes from assuming one covers the other. Speak to our team about the limit rather than the premium, and ask about ",link:{text:"cover for a technician's injury",href:"/solutions/workers-compensation-insurance"},closingb:" at the same time."},P={eyebrow:"Driver assistance",h2:"The calibration nobody sees until it matters",intro:"Cameras, radar and sensors now sit behind windscreens, in bumpers and inside mirrors on ordinary cars. Routine work disturbs them, and the consequences of not putting them back are unusually one-sided.",steps:[{k:"01",image:`${y}/autorepair/adas-sensors.jpg`,alt:"Camera unit mounted on a windscreen behind the rear-view mirror",title:"Ordinary jobs disturb the systems",body:"A windscreen replacement, a bumper repair, an alignment, a suspension change. None of these feel like electronics work, and all of them can move a sensor out of the position its software assumes it is in."},{k:"02",image:`${y}/autorepair/adas-quiet.jpg`,alt:"View out through a windscreen with the camera unit in place and the road ahead",title:"A miscalibrated system fails quietly",body:"Nothing warns anybody. The car drives normally out of the bay and behaves normally for weeks. The failure appears at the one moment the system was supposed to intervene, and by then the vehicle is at speed and somebody is hurt."},{k:"03",image:`${y}/autorepair/adas-records.jpg`,alt:"Surround-view camera display showing its guidance overlay on a dashboard screen",title:"That is a completed operations claim",body:"The work was finished, the vehicle was collected, and the damage occurred afterwards, which puts it against the products and completed operations side of the policy rather than garage
1keepers. It also puts the shop's records of what was calibrated, and by whom, at the centre of the file."}],closinga:"The practical answer is unglamorous and effective: know which jobs trigger a calibration, document what was done, and confirm with your broker that this work sits inside your declared scope rather than beside it. It is also worth understanding ",link:{text:"how cover behaves after the job is closed",href:"/solutions/general-liability-insurance"},closingb:", because that is the half of the policy this lands on.",cta:"Speak to our team"},L=[{id:"overnight",icon:`${y}/icons/ar-car.png`,label:"We keep customer vehicles overnight",need:"Garagekeepers sized to the whole lot",why:"The limit is generally per location, not per vehicle."},{id:"testdrive",icon:`${y}/icons/ex-vehicle.png`,label:"Our techs test drive or collect vehicles",need:"Drive-other-car extension",why:"On a public road it becomes an auto exposure, not a premises one."},{id:"adas",icon:`${y}/icons/el-panel.png`,label:"We work on cars with driver-assistance systems",need:"Calibration confirmed inside your scope",why:"A miscalibrated system fails silently and lands on completed operations."},{id:"waste",icon:`${y}/icons/ar-drum.png`,label:"We handle waste oil, solvents or coolant",need:"Pollution endorsement",why:"Standard wordings exclude pollution and a garage generates it daily."},{id:"supplied",icon:`${y}/icons/ex-design.png`,label:"We fit customer-supplied parts",need:"Written position on part failure",why:"Supplying the part does not move the liability off the fitter."},{id:"fleet",icon:`${y}/icons/ic-auto.png`,label:"We hold fleet or contract work",need:"Higher limits and contractual liability review",why:"Fleet contracts often make you answerable for downtime as well as damage."},{id:"sendout",icon:`${y}/icons/bd-subs.png`,label:"We send work out to other shops",need:"Certificates collected before you send",why:"Subcontracted work can return as your claim."},{id:"hoist",icon:`${y}/icons/ic-property.png`,label:"We own hoists, rigs or alignment equipment",need:"Current equipment schedule",why:"Fixed plant is expensive and often valued years out of date."}],D="Custody check",z="What are you responsible for, and when?",M="A garage policy is really an argument about custody: whose property, whose premises, whose road. Every line below changes where that boundary sits. Nothing is priced and nothing is submitted.",U="Where your exposure actually sits",K="Nothing ticked. Choose what your shop does and the exposures it creates will list here.",V="Bring this to a renewal conversation. On this trade the limit is worth more attention than the premium, because the limit is what fails first.",Y="Speak to our team",J={eyebrow:"Cost",h2:"How much does auto repair shop insurance cost?",intro:"No published figure survives contact with an actual shop. Six inputs move a garage premium further than the rest.",rows:[{icon:`${y}/icons/ar-car.png`,iconAlt:"Car icon",weight:3,title:"Vehicles in your care, and their value",body:"The garagekeepers limit is the largest single decision on a garage policy, and it follows how many cars are on the premises on a bad night rather than an average one."},{icon:`${y}/icons/ic-wc.png`,iconAlt:"Hard hat icon",weight:3,title:"Payroll and workers comp class",body:"Technician payroll on a class that contemplates raised vehicles and heavy components. It is the largest line on most shops once staff are on the books."},{icon:`${y}/icons/ic-property.png`,iconAlt:"Building icon",weight:2,title:"Premises, hoists and equipment",body:"Whether you own or lease, how many bays, and what the fixed plant is worth. Hoists and alignment rigs are usually valued at what they cost, not what they cost now."},{icon:`${y}/icons/ex-vehicle.png`,iconAlt:"Steering wheel icon",weight:2,title:"How much driving your staff do",body:"Test drives, collections and deliveries. The more a technician is on the road in somebody else's car, the more of your exposure sits off the premises."},{icon:`${y}/icons/ar-drum.png`,iconAlt:"Oil drum icon",weight:2,title:"Waste, solvents and storage",body:"What you generate, how it is stored and how it leaves. It is a modest line that gets expensive if it has never been declared at all."},{icon:`${y}/icons/ex-design.png`,iconAlt:"Clipboard icon",weight:3,title:"Claims history and documentation",body:"Three years of loss runs, and how well the shop documents work orders and sign-offs. On a custody trade, paperwork is genuinely part of the risk."}],weightLabel:"Effect on premium",weightKey:"Three marks is an input that moves a garage premium more than the others listed here. It is a relative weighting drawn from how these behave on a custody trade, not a rate and not a quote.",closingHead:"So what does that add up to?",closing:"A garage premium is really two premiums: one for the people and the premises, one for other people's vehicles. The second is where shops are most often underinsured, and it is also the cheapest thing on this page to get right. Request a quote and we will c
1ome back with real numbers against your real lot.",closingCta:"Talk to an expert"},Q={eyebrow:"Process",h2:"How a placement works",intro:"We understand your business first, then take it to the carriers who want to write it. An advisor walks you through the options and what they cost. No two files are the same, so what follows is the shape of a placement rather than a script.",steps:[{n:"01",image:`${y}/process/step-classify.jpg`,alt:"Loss runs and a payroll schedule spread on a desk beside a calculator and laptop",title:"We understand the business first",body:"What you do, where, with how many people, and what your contracts oblige you to carry. Those answers decide which markets will look at the file at all, and how much of the rest of this applies to you."},{n:"02",image:`${y}/process/step-submit.jpg`,alt:"Brokerage desk with a monitor in morning light",title:"We match it to the carriers who want to write it",body:"One set of information goes to underwriters with genuine appetite for your work rather than whoever happened to quote last renewal. An advisor talks you through what comes back and what it costs."},{n:"03",image:`${y}/process/step-certificate.jpg`,alt:"Stamped certificate on a clipboard with a pen and a magnifier",title:"After bind, certificates checked against the wording the contract asks for",body:"A main contractor wants proof before your crew can start, and this is ",link:{text:"how COIs get issued",href:"/solutions/certificate-of-insurance"},tail:" here. We read the certificate request against your contract so it asks the carrier for the wording that contract needs rather than a generic form that usually fails review."}]},Z={eyebrow:"FAQ",h2:"Frequently asked questions",intro:"The eight a shop owner asks us before a first placement.",cardIcon:`${y}/icons/bd-chat.png`,cardIconAlt:"Speech bubble icon",cardHead:"Not seeing yours?",cardBody:"Send the fleet contract or the lease and we will read it with you. No obligation, and nothing is submitted until you say so.",cardCta:"Speak to our team"},_=[{q:"What is garagekeepers insurance?",a:"It is the cover that answers for damage to a customer's vehicle while the vehicle is in your care, custody or control. That includes on the lift, in the bay, in the lot overnight and generally on a test drive. It exists because general liability deliberately excludes property in your keeping, so without it the vehicles you hold are the one thing your policy will not pay for."},{q:"Is garage liability the same thing?",a:"No, and the names being similar causes real problems. Garage liability answers for injury and damage to third parties arising from your premises and operations. Garagekeepers answers for the customer's vehicle itself. A shop generally needs both, and having one is not evidence of having the other."},{q:"How much garagekeepers cover do I need?",a:"Enough to contemplate every vehicle on your premises at once, because the limit is usually written per location rather than per vehicle. A fire or a storm involves the whole lot, not the car you were working on. Count what is there on your busiest night and work from that."},{q:"Are customers' belongings inside the car covered?",a:"Usually not. Personal property left in a vehicle is commonly excluded outright, which is a difficult conversation to have after a break-in and an easy one to have at the counter. Putting it on the work order in writing is the practical answer."},{q:"What about test drives and collections?",a:"Once your technician is driving a customer's vehicle on a public road, the exposure has moved from your premises to the road, and it is typically drive-other-car or an equivalent extension that responds. It is a common gap in shops that offer collection and delivery."},{q:"Do I need pollution cover for waste oil?",a:"Generally yes, as an endorsement. Standard wordings carry a pollution exclusion, and a workshop produces waste oil, solvents and coolant as a matter of routine rather than by accident. It is a modest addition that closes a category of claim entirely."},{q:"Who is liable if a customer supplies the part?",a:"Frequently still the shop, which surprises people. Supplying a component does not transfer responsibility for fitting it or for its performance once fitted. If you accept customer-supplied parts, agree the position in writing before the work rather than after a failure."},{q:"Does my policy cover driver-assistance calibration?",a:"It depends whether that work sits inside your declared scope. Calibration is increasingly part of ordinary jobs like windscreen and bumper work, and a miscalibrated system that contributes to a collision becomes a completed operations claim against the shop. Confirm the position specifically rather than assuming it is included."}
1],X="Get started",ee="Cover that counts every car in the lot.",ea="Tell us how many vehicles you hold and what your techs drive, and we will come back with a garagekeepers limit built on your worst night rather than an average one.",et="Talk to an expert",eo=["Certificates checked against your contract","100+ carrier portals","Garagekeepers sized to your lot"],ei={meta:{title:"Auto Repair Shop Insurance | Rosella Brokerage",description:"Auto repair shop insurance for US garages. Why general liability will not pay for a customer's car, how to size garagekeepers, and how to get quoted."},theme:i.default,sections:[{type:"hero",layout:"form-right",content:{heading:w,subheading:b,cta:v,image:`${y}/autorepair/hero.jpg`,formTitle:"Get a quote",fields:f.map(e=>e.label),consent:x,formCta:"CONTINUE",note:"Form is visual only and submits nowhere (TR-014)."},style:{backgroundColor:m,textColor:h}},{type:"features",layout:"grid-3",content:{eyebrow:k.eyebrow,heading:k.h2,subheading:k.intro,items:[{title:k.big.lead+k.big.rest,description:k.big.body,span:2},{title:k.small.lead+k.small.rest,description:k.small.body},...k.rest.map((e,a)=>({title:e.title,description:e.body,...4===a?{span:2}:{}}))],closing:`${k.closing}${k.link1.text}${k.mid}${k.link2.text}${k.tail}`,links:(0,c.linked)(k.link1,k.link2),note:"Draggable GSAP slider on the Osmo Basic GSAP Slider contract (data-gsap-slider-init / -collection / -list / -item, prev and next controls, a live 01 / 07 counter). Seven equal white cards, no icons: a red number, a tag (Carries the weight / Fills a gap), the title and the body. Three per view on desktop, two under 1100px, 1.15 on a phone so the next card peeks. Inertia throw with snap to the nearest card; the card in first position carries a red top rule. Controls disable at either end. Reduced motion: drag still works, button moves become instant jumps."},style:{backgroundColor:u,textColor:h}},{type:"features",layout:"tabs",content:{eyebrow:q,heading:$,subheading:S,tabs:C.map(e=>({label:A[e].label,title:A[e].title,image:A[e].image,alt:A[e].alt,body:A[e].body,ledger:[{label:"What underwriters ask",value:A[e].asked},{label:"The claim that shows up",value:A[e].claim},{label:"Endorsements it needs",value:A[e].endorse}],watch:A[e].watch,cta:"Talk to a broker about this"})),closing:W,note:"INK section, redesigned 12 Sep 2026. Header is two columns (eyebrow + H2 left, intro right, bottom-aligned). Row: LEFT a numbered list of the four operations in 32px Golos on hairlines - each line is a tab; the active line is white with a red numeral, the others at 45% - with the active title and body under it; RIGHT the Depth Tiles ring (Osmo module, src/sections/_shared/depth-tiles.ts) with the four photographs orbiting, no box, tiles cast a shadow on the ink. Under the row a 4-column ledger on hairlines: What underwriters ask / The claim that shows up / Endorsements it needs / WATCH FOR, the last a red block carrying the CTA (white button on red). Autoplay turns the ring and the list follows; a click on a line or tile turns it by hand and stops the loop; rest 3.6s, pause on hover, off under reduced motion. STATES for capture: one per operation (4)."},style:{backgroundColor:m,textColor:h}},{type:"features",layout:"list",content:{heading:I,image:`${y}/autorepair/claim.jpg`,imagePosition:"left",body:[R,H],items:E.map(e=>({title:e.tag,description:e.text,state:e.covered?"covered":"not-covered"})),closing:`${G}${O.text}${F}`,links:(0,c.linked)(O),note:"Covered rows take an ink tick, not-covered rows take a red cross."},style:{backgroundColor:u,textColor:h}},{type:"features",layout:"grid-4",content:{eyebrow:B.eyebrow,heading:B.h2,subheading:B.intro,items:B.cards.map(e=>({title:e.title,label:"WHAT YOU NEED",description:e.need})),closing:`${B.closinga}${B.link.text}${B.closingb}`,links:(0,c.linked)(B.link),note:"Eight outlined white cards, four across, each with a line icon in the homepage's 40px red tile (Magnific-licensed SVG, ../icons.tsx). Two were filled red and have been reverted to white at the client's request; the emphasis on refrigerant and carbon monoxide now sits in the closing paragraph instead."},style:{backgroundColor:m,textColor:h}},{type:"features",layout:"grid-3",content:{eyebrow:P.eyebrow,heading:P.h2,subheading:P.intro,items:P.steps.map(e=>
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