Atlantic Specialty Lines, Inc. (ASL) is your go-to resource for placing garage-related risks across a variety of classes and operations. As an experienced Excess & Surplus Lines Broker, ASL offers access to a broad range of coverage options and carriers tailored for the unique exposures faced by garage and auto-related businesses. Whether your client runs a used car dealership, an auto body shop, or a tire service center, ASL has the underwriting depth and market access to help you find the right solution.
Ideal Accounts and Appetite
ASL focuses on a wide spectrum of garage classes, making it easy for agents and brokers to place business that may not fit standard markets. Common eligible risks include:
- Body & Paint Shops
- Tire Dealers and Installers
- Transmission Shops (Franchised)
- Used Car and Truck Dealers
- Auto Parts Sales with Installation Services
You might have a client who operates a small used car dealership with on-site repairs or a local body shop that needs Garagekeepers coverage. ASL is well-equipped to handle both situations.
Coverage Highlights and Advantages
ASL offers flexible coverage options that can be customized to your client’s operations. Available garage insurance products include:
- Dealer’s Open Lot: Protects inventory vehicles from physical damage while on the lot.
- Garagekeepers Liability: Covers customer vehicles while in the care, custody, or control of the insured.
- Garage Liability: Combines general liability and auto liability for dealers and service operations.
- Physical Damage: Coverage for company-owned vehicles used in the course of business.
These options help protect against common exposures such as vehicle damage, customer claims, and property loss.
Underwriting Notes and Minimum Premiums
ASL’s underwriting team is responsive and experienced, ready to assist with submissions and answer your questions. Minimum premiums vary by risk and coverage selected, and ASL works with multiple carriers to help find competitive solutions for both straightforward and more complex accounts.
Territories and Availability
This garage insurance program is available in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. With access to both admitted and non-admitted carriers, ASL can provide flexible solutions to meet diverse state requirements and risk profiles.
Why Work With Atlantic Specialty Lines, Inc.?
ASL brings a deep understanding of the garage industry and a commitment to helping independent agents succeed in placing tough or underserved risks. Their diverse underwriting team offers hands-on support and fast turnaround times. By partnering with ASL, you gain access to a wide range of markets and products, ensuring you can deliver value and protection to your garage-related clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include used car and truck dealers, body and paint shops, tire dealers, and franchised transmission shops.
Can I submit risks outside of the listed eligible classes?
Yes, ASL reviews a wide range of garage-related risks. Submit your account details for consideration by their underwriting team.
Is Garagekeepers coverage available as a standalone option?
Garagekeepers is typically part of a full garage policy but may be available as a standalone depending on the risk. Contact ASL for specific options.
Which states is this program available in?
This program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Do minimum premiums vary by class or coverage?
Yes, minimum premiums depend on the type of business and the coverages selected. Contact ASL for more details based on your client’s needs.
Need help placing an account? Connect with a market specialist.