Southern Insurance Underwriters, Inc. (SIU) specializes in providing tailored Garage Insurance solutions for a wide range of garage-related businesses. With deep industry knowledge and access to multiple markets, SIU helps independent agents place hard-to-fit and standard garage accounts across Alabama, Florida, Georgia, and South Carolina.
Ideal Accounts and Appetite
SIU has a broad appetite for both dealer and non-dealer garage risks. Whether your client sells vehicles or provides repair and maintenance services, SIU offers flexible coverage options suited to their specific operations.
Recent successful placements include:
- Diesel bus maintenance shop
- Used car dealer with on-lot inventory
- Tire retail and automotive repair shop
- Mobile truck and trailer repair service
Dealer Risks: Coverage available for:
- Used car dealerships
- ATV dealerships
- Motorcycle dealerships
Non-Dealer Risks: Appetite includes:
- Heavy truck repair shops
- Mobile repair operations
- Detailers (including mobile units)
- General automotive repair shops
- Body and collision repair shops
- Muffler and exhaust service providers
- Car audio and electronics installers
Coverage Highlights and Advantages
SIU’s Garage Insurance program offers broad protection to address the unique exposures of garage operations. Available coverages may include Garage Liability, Garagekeepers Legal Liability, Dealers Physical Damage, and more—depending on the specific risk and carrier.
The program is designed to help agents place accounts that may not fit standard markets or require specialized underwriting due to mobile operations, heavy equipment, or unconventional services.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by account and carrier. SIU works closely with agents to evaluate each submission and find a market that aligns with the risk profile. Submissions with complete information and clear risk details are prioritized for faster turnaround.
Territories and Availability
The Garage Insurance program is available in the following states:
- Alabama
- Florida
- Georgia
- South Carolina
Most available markets are non-admitted, allowing for flexibility in underwriting and coverage design. Carrier availability may vary.
Why Work With Southern Insurance Underwriters, Inc.?
As a trusted Managing General Agency, SIU brings decades of experience and a strong network of markets to help agents grow their commercial transportation and garage business. Their dedicated Commercial Transportation Department understands the complexities of garage risks and delivers responsive service, competitive solutions, and a collaborative approach to underwriting.
Whether you're placing a used car dealership with inventory or a mobile repairer servicing fleet vehicles, SIU can help you find the right fit.
Contact SIU's Commercial Transportation Department today to learn more about available Garage Insurance options and how to get started.
Frequently Asked Questions
What types of accounts are a good fit for SIU's Garage Insurance program?
SIU targets both dealer and non-dealer garage operations, including used car dealers, mobile repairers, truck repair shops, tire and muffler shops, and auto detailers.
In which states is this program available?
The program is currently available in Alabama, Florida, Georgia, and South Carolina.
Are both admitted and non-admitted markets available?
Most available markets are non-admitted, offering flexibility in underwriting and coverage terms depending on the risk.
What is the minimum premium for this program?
Minimum premiums vary by carrier and risk details. SIU evaluates each account individually to determine eligibility and pricing.
What information is needed to submit a garage risk?
Complete applications should include business type, ownership structure, vehicle schedules, loss history, and detailed descriptions of operations and services offered.
Need help placing an account? Connect with a market specialist.