Auto Service Risks Insurance

Ideal Accounts and Appetite

This program is built for small to mid-sized auto service businesses with property and liability exposures. Eligible classes include:

• Auto repair and service shops
• Quick lube and oil change facilities
• Car washes (full-service or self-service)
• Gasoline stations with repair bays
• Self-service gas stations
• Tire dealers and installers
• Public parking garages and lots
• Automobile storage facilities

If you have a client operating a busy auto repair shop in Utah with multiple service bays and valuable on-site equipment, or a tire dealer in Arizona looking for comprehensive liability and property coverage, this program may be a strong fit.

Coverage Highlights and Advantages

Property Coverage:

• Accounts Receivable
• Auto Service Risks Market Segments Endorsements (optional)
• Basic, Broad, or Special Form
• Building and Contents
• Business Income and Extra Expense
• Computer Equipment and Valuable Papers
• Equipment Breakdown
• Inland Marine
• Outside Signs
• Replacement Cost or Actual Cash Value options

General Liability Coverage:

• Primary limits up to $3 million occurrence/aggregate
• $5,000 Medical Payments Coverage included
• Hired and Non-Owned Auto Liability up to $1 million per occurrence
• Additional Interest endorsements available
• Excess and Umbrella limits available up to $25 million

Crime Coverage:

• Inside the Premises—Theft of Money and Securities
• Robbery or Safe Burglary of Property Inside Premises
• Outside the Premises coverage
• Optional crime coverage via Market Segments Endorsement

Underwriting Notes and Minimum Premiums

Colonial General evaluates each submission on a case-by-case basis. While the program is flexible, accounts with poor loss history or major structural issues may not be eligible. Minimum premiums vary depending on the class of business, coverage selected, and state, so it's best to submit complete applications for accurate pricing.

Territories and Availability

This Auto Service Risks Insurance program is currently offered in the following states:

• Arizona (AZ)
• California (CA)
• Colorado (CO)
• Idaho (ID)
• Nevada (NV)
• New Mexico (NM)
• Utah (UT)
• Wyoming (WY)

Some markets are admitted, while others are accessed on a non-admitted basis depending on the risk profile and location.

Why Work With Colonial General?

With decades of experience serving the Western U.S., Colonial General understands the unique risks auto service businesses face. The agency offers responsive service, underwriting expertise, and access to multiple carrier options. Whether you are placing a single-location repair shop or a multi-unit car wash operation, Colonial General can help you find competitive and comprehensive coverage solutions.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.