Colonial General Insurance Agency, Inc. offers a specialized ATV Sales and Service Insurance Program designed for businesses involved in the sale, repair, and service of all-terrain vehicles. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings years of experience and access to multiple markets to help agents place hard-to-insure risks in the powersports and recreational vehicle sector.
Ideal Accounts and Appetite
This program is ideal for independent agents with clients who operate:
- ATV dealerships and showrooms
- ATV repair and service shops
- Scooter and moped dealers (49 CC engines or greater)
- Snowmobile sales and service businesses
Whether your client is a small-town ATV repair shop or a multi-line recreational vehicle dealership, Colonial General can help you secure the appropriate coverage for their operations. Accounts that include towing services, vehicle storage, or test drives are also within appetite.
Coverage Highlights and Advantages
Our ATV Sales and Service Insurance Program includes a broad range of commercial garage coverages to protect your clients from the unique exposures they face:
- Garage Liability: Limits up to $1,000,000 per accident
- Garage Keepers Coverage: Primary basis with specified causes of loss
- Dealers Physical Damage
- False Pretense Coverage: Protection against losses due to fraudulent acts
- Fire Legal Liability
- In-Transit Coverage: For towing operations
- Medical Payments: Up to $5,000
- Broadened Coverage Endorsements
- Property Coverage Available
This comprehensive package helps safeguard both the business premises and the vehicles in your client’s care, custody, and control. From potential fire damage in the service bay to theft during a test ride, the program addresses a wide range of exposures common to the ATV industry.
Underwriting Notes and Minimum Premiums
Colonial General works with multiple carriers to underwrite these accounts, offering both admitted and non-admitted solutions depending on the state. While minimum premiums vary by risk and location, our team is experienced in evaluating unique submissions and providing competitive options.
Submissions should include complete applications, detailed business operations, and loss history when available to ensure a quick turnaround.
Territories and Availability
This program is available to licensed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some admitted markets are available depending on the state and class of business.
Why Work With Colonial General?
Colonial General is known for its regional focus and deep expertise in niche commercial programs. By working with us, you gain access to specialty carriers, responsive underwriters, and a team that understands the unique needs of powersports dealers and service providers. We help agents like you place hard-to-insure risks with confidence and speed.
Whether you’re helping a new ATV dealer get off the ground or supporting an established repair shop expanding into snowmobiles, Colonial General has the tools and products to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for ATV dealerships, repair shops, and service centers, as well as businesses dealing in scooters (49 CC or more), mopeds, and snowmobiles.
Can the program accommodate businesses with towing operations?
Yes, the program includes in-transit coverage, making it suitable for businesses that offer towing or pick-up/drop-off services.
Is Garage Keepers Coverage included?
Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss to protect vehicles in your client’s care.
What is the availability of admitted markets?
Some admitted markets are available depending on the specific risk and state. Colonial General helps determine the best fit based on your client’s profile.
Which states is this program available in?
Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.