Agents Insurance Markets, Inc. (AIM) offers a specialized Garage Non-Dealer Insurance program designed to meet the needs of a wide range of garage-related operations in Virginia and North Carolina. As a Managing General Agency with access to Essex Insurance Company and other strong markets, AIM delivers tailored solutions for garage service providers that fall outside of traditional franchised dealer models.
Ideal Accounts and Appetite
This program is built for non-dealer garage risks, offering flexible coverage options for a broad range of operations. Classes underwritten include:
- Auto Detailing Operations
- Mobile Vehicle Services
- Motorcycle Service Operations
- Truck, Trailer, and Tractor Repair
- Body Shops
- Valet Parking Operations
- Emergency Vehicle Service Providers
- Contractors Equipment Service and Repair
If you have a client operating a mobile truck repair business or a local body shop servicing commercial fleets, this program may be an excellent fit. AIM understands the unique exposures of these businesses and provides coverage designed to help protect them from liability and property-related risks.
Coverage Highlights and Advantages
- Garage Liability – Limits up to $1,000,000 Combined Single Limit (CSL)
- Property Coverage – Limits up to $1,000,000 CSL
- Garagekeepers Legal Liability – Up to $400,000 per location, with per-vehicle limits up to $50,000 (if applicable)
- Non-Franchised Used Car Dealers – Available in North Carolina only through an admitted carrier
Package credit is available when both property and liability coverage are written together, making this an efficient and cost-effective solution for your clients.
Underwriting Notes and Minimum Premiums
This program is underwritten with a focus on garage service operations that maintain high standards of risk management. Submissions should include complete applications and supporting documentation. While minimum premium requirements may vary by class and risk profile, AIM is focused on providing competitive solutions for small to mid-sized businesses.
Territories and Availability
Garage Non-Dealer Insurance is currently available in:
- North Carolina (includes coverage for non-franchised used car dealers through an admitted market)
- Virginia
Access to admitted and non-admitted markets allows AIM to match the right coverage structure to the specific regulatory environment of each state.
Why Work With Agents Insurance Markets, Inc.?
At AIM, garage coverage is not just another product line — it's a specialty. With a focus on responsive customer service, in-house underwriting expertise, and a commitment to helping agents find the right market for each risk, AIM is your go-to partner for placing garage service accounts in NC and VA. Let AIM help you deliver comprehensive solutions your clients can count on.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for non-dealer garage operations such as auto detailing shops, mobile mechanics, body shops, and equipment repair businesses in NC and VA.
Is coverage available for used car dealers?
Yes, non-franchised used car dealers can be written in North Carolina only through an admitted carrier.
What limits are available for Garagekeepers Legal Liability?
Up to $400,000 per location, with a maximum per vehicle limit of $50,000 if applicable.
Do you offer package discounts?
Yes, a package credit is available when both property and garage liability coverage are written together.
Which states is this program available in?
This program is currently available in North Carolina and Virginia.
Need help placing an account? Connect with a market specialist.