Trailer sales and repair operations face unique liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a tailored Trailer Sales and Repair Insurance program designed to help agents and brokers place business for clients in this niche industry.
Overview of the Program From Colonial General
Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of markets. Our Trailer Sales and Repair Insurance program is crafted to help protect businesses specializing in trailer sales, service, and repair operations. Whether your insured operates a standalone trailer repair shop or a sales lot with attached service bays, we can help you secure the right coverage solution.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Trailer dealerships (new or used)
- Trailer repair or service shops
- Trailer customization or fabrication businesses
- Operations with incidental towing or pickup/delivery of trailers
Note: Rental operations and rented storage space are excluded from coverage, so risks with these exposures are not eligible under this program.
Coverage Highlights and Advantages
Our program offers broad protection for garage-related exposures, including:
- Garage Liability Limits: Up to $1,000,000 per accident
- Aggregate Liability: Up to $3,000,000
- Medical Payments: $5,000 standard
- Garage Keepers Coverage: Primary basis with specified causes of loss
- Dealers Physical Damage: For owned inventory and customer units
- False Pretense Coverage: Available for theft-by-deception exposures
- Fire Legal Liability: Included
- Broadened Coverage Endorsements: Available
- In-Transit Coverage: For towing operations
- Optional Property Coverage: For buildings, contents, and business income
Underwriting Notes and Minimum Premiums
Colonial General underwrites each risk carefully to ensure an appropriate fit for our markets. We work with a selection of admitted and non-admitted carriers, depending on the location and risk profile. While there is no published minimum premium, standard underwriting criteria apply, and pricing will vary by account size, operations, and loss history.
Territories and Availability
This program is currently available in the following Western states:
- Arizona
- California
- Colorado
- Idaho
- Nevada
- New Mexico
- Utah
- Wyoming
Some markets are admitted; others are available on a non-admitted basis depending on state and class of business.
Why Work With Colonial General?
With years of experience serving niche industries across the western U.S., Colonial General provides responsive service and market access that independent agents and brokers can rely on. Our team understands the day-to-day risks trailer dealers and repair shops face and can help you place hard-to-insure or specialty accounts with confidence.
Learn more about Colonial General Insurance Agency, Inc. or visit the program page to begin the quoting process today.
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 engage in trailer rentals or offer rented storage space.
Is property coverage available in this program?
Yes, property coverage can be added to protect buildings, business personal property, tools, and loss of income.
Are towing operations covered?
Yes, in-transit coverage is included for businesses that tow trailers as part of their operations.
Can I place business in all 8 states listed?
Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, though availability of admitted vs. non-admitted markets may vary by state.
What is excluded from coverage?
Rental operations and rented storage space are specifically excluded under this program.
Need help placing an account? Connect with a market specialist.