Trailer sales and repair operations carry distinct garage, inventory, and in-transit exposures that need specialized placement. Colonial General Insurance Agency, Inc. offers a tailored Trailer Sales and Repair Insurance program that helps agents and brokers place dealership, service, fabrication, and towing-related risks with market access across the western U.S.
Overview of the Program From Colonial General
Colonial General is a Managing General Agency and Excess & Surplus Lines broker with longstanding relationships across admitted and non-admitted markets. This Trailer Sales and Repair program is designed for businesses that sell, service, customize, or tow trailers. We work with a variety of carriers to match coverages to the account’s operations, risk profile, and state regulatory requirements.
Ideal Accounts and Appetite
This program is a good fit for independent agents placing:
- Trailer dealerships (new and used inventory)
- Trailer repair or service shops and mobile service providers
- Trailer customization, welding, or fabrication businesses
- Operations with incidental towing or customer pickup/delivery of trailers
Not eligible: rental operations and businesses that provide rented storage space. Ineligible exposures typically include fleet rental programs, large-scale public storage operations, or businesses with significant rented-storage income.
You might have a client who operates a rural trailer dealership with attached service bays and customer demos, or a repair shop that tows customer units — both are the type of accounts this program targets.
Coverage Highlights and Advantages
The program provides broad garage-related liability and property protections tailored for trailer dealers and repairers:
- Garage Liability: Limits up to $1,000,000 per accident with higher aggregate capacity available (up to $3,000,000 aggregate)
- Medical Payments: $5,000 standard
- Garage Keepers: Primary basis coverage with specified causes of loss
- Dealers Physical Damage: Coverage options for owned inventory and customer trailers
- False Pretense Coverage: Available to address theft-by-deception exposures
- Fire Legal Liability: Included
- Broadened Coverage Endorsements: Available to expand protection as needed
- In-Transit Coverage: For towing and delivery operations
- Optional Property Coverage: Buildings, contents, tools, and business income can be added
Underwriting Notes and Minimum Premiums
Colonial General performs case-by-case underwriting to determine market placement. Key considerations include location, operations (sales vs. service vs. fabrication), inventory values, tow/in-transit exposure, and loss history. There is no single published minimum premium; pricing will vary based on the account’s size and exposures and may sit in admitted or E&S markets depending on the state and details.
Territories and Availability
The program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some carriers are admitted in certain states while others are offered on a non-admitted basis; availability will be confirmed during submission and quote review.
Why Work With Colonial General?
Colonial General combines niche underwriting experience with access to multiple admitted and non-admitted markets, giving agents a responsive partner for placing trailer dealers and repair shops. Our team understands common loss drivers in this segment — inventory exposures, customer property risks, towing liability, and fabricated equipment — and can help structure coverages to reduce gaps and improve insurability.
To start a submission or learn more about placement options, visit the Colonial General company page or the program page on CompleteMarkets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include trailer dealerships, repair shops, and service centers that do not provide trailer rentals or rented storage space.
Is property coverage available in this program?
Yes. You can add property coverage to protect buildings, business personal property, tools, inventory, and business income where available.
Are towing and in-transit exposures covered?
Yes. In-transit coverage for towing and delivery operations is included; limits and terms depend on the submission details.
Can I place business in all 8 states listed?
Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets will be admitted and others non-admitted depending on the state and risk.
What is excluded from coverage?
Rental operations and rented storage space are specifically excluded from this program.
Need help placing an account? Connect with a market specialist.