Colonial General Insurance Agency, Inc. offers a comprehensive Auto Repair Shop Insurance program designed specifically for independent agents and brokers looking to place automotive service-related accounts. With access to both admitted and non-admitted markets, Colonial General provides flexible solutions and expert support to help you meet your clients’ needs in a competitive and ever-changing industry.
Overview of the Program From Colonial General
When you partner with Colonial General, you gain access to a team of experienced underwriters who specialize in the automotive repair segment. This program is tailored for general auto service shops, body shops, and specialty repair centers. Whether your client is a small independent garage or a mid-sized repair operation, this program delivers key coverages and underwriting flexibility.
Ideal Accounts and Appetite
This program is a great fit for:
- General auto repair shops
- Brake and alignment service providers
- Muffler and exhaust repair shops
- Transmission and engine specialists
- Shops that install vehicle wraps (with proper training)
- Facilities offering alternative fuel services and repairs
Accounts involving lift kits or suspension modifications may be considered, provided the modifications do not exceed 6 inches. Towing operations are also eligible with appropriate documentation.
Coverage Highlights and Advantages
Colonial General's Auto Repair Shop Insurance program offers broad protection, including:
- Garage Liability Limits up to $1,000,000 per accident
- $3,000,000 General Liability Aggregate
- $5,000 Medical Payments
- Garage Keepers Coverage on a primary basis with specified causes of loss
- Dealers Physical Damage and Fire Legal Liability
- False Pretense Coverage
- Broadened Coverage endorsements
- In-Transit Coverage for towing operations
- Property Coverage available for buildings, tools, and equipment
This package helps your clients manage exposures related to customer vehicles, property damage, on-site incidents, and more.
Underwriting Notes and Minimum Premiums
The program offers underwriting flexibility and competitive pricing. While specific minimum premiums are not listed, eligibility is determined on a case-by-case basis. Colonial General evaluates submissions quickly and works with agents to review any unique risks or custom operations.
Territories and Availability
This Auto Repair Shop Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Availability of admitted or non-admitted markets may vary by state.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents with access to competitive markets and personalized service. Their deep expertise in the auto repair space ensures informed underwriting decisions and fast turnaround times. Whether you're placing a single-location shop or a more complex account, Colonial General offers the tools and support you need to succeed.
For more information, visit the Colonial General company profile or go directly to the Auto Repair Shop Insurance program page.
Frequently Asked Questions
What types of accounts are a good fit for this program?
General auto repair shops, brake and alignment services, muffler shops, and light-duty towing operations are ideal. Specialty shops may also qualify with proper documentation.
Can shops with lift kits or modified suspensions be covered?
Yes, accounts with lift kits or suspension modifications can be considered if the lift does not exceed 6 inches.
Is this program available in my state?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted or surplus lines markets may vary by state.
Does the program include Garage Keepers Coverage?
Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss.
What should I submit to get a quote?
Submit a completed application, loss runs (if applicable), and any supporting documents for specialty operations such as towing or alternative fuel services.
Need help placing an account? Connect with a market specialist.