Colonial General Insurance Agency, Inc. offers a specialized Alarm and Car Stereo Installation Insurance program designed specifically for professionals who install car alarms, stereo systems, and related audio-visual equipment. This program is tailored to meet the unique risks associated with working on client vehicles, whether at a fixed site or through mobile operations.
Overview of the Program From Colonial General
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents and brokers with access to comprehensive garage-related liability coverages. This program is ideal for accounts that require more than just general liability, offering extensive protection for installers handling high-value vehicles and equipment. Whether your client operates a small garage or offers mobile installation services, this program delivers flexible and competitive coverage options.
Ideal Accounts and Appetite
This program is specifically designed for:
- Automobile alarm and security system installers
- Car stereo and audio-visual system installers
- Shops offering aftermarket electronic upgrades
- Mobile installation services
Ideal risks include businesses with a clean loss history, proper risk management protocols, and operations focused on installation rather than manufacturing or wholesale distribution.
Coverage Highlights and Advantages
Commercial Garage Coverage Includes:
- Up to $3,000,000 Aggregate Liability
- Garage Liability Limits up to $1,000,000 per accident
- $5,000 Medical Payments coverage
- Garage Keepers Coverage on a Primary basis with specified causes of loss
- Fire Legal Liability
- Dealers Physical Damage
- False Pretense Coverage
- Broadened Coverage endorsements available
- In-Transit Coverage for towing operations
- Optional Property Coverage
These coverages are designed to protect against exposures such as damage to customer vehicles, theft, fire, and liability arising from installation errors or accidents during test drives or transit.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to secure the right fit for your client’s needs. Admitted markets are available in select states, with access to non-admitted options when needed. While minimum premiums vary by account and location, risks with solid safety practices and clean histories are preferred.
Territories and Availability
This program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Admitted status varies by market and state—contact Colonial General for specifics on availability in your client’s location.
Why Work With Colonial General
Colonial General brings niche expertise in garage and auto-related risks, offering agents and brokers access to competitive markets and responsive underwriting. Their focus on specialty programs allows you to confidently place tough-to-insure accounts like custom audio installers or mobile alarm technicians. With broad coverage options and a knowledgeable team, Colonial General helps you deliver value and protection to your clients in a high-risk segment.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for businesses that install car alarms, stereo systems, and other aftermarket electronic upgrades, including mobile installation services and fixed-location garages.
Is Garage Keepers Coverage included?
Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss, offering protection for customer vehicles in the installer’s care.
Are mobile installers eligible for coverage?
Yes, mobile installation operations are eligible, and In-Transit Coverage for towing operations is available when applicable.
Which states is this program available in?
The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted markets varies by state.
Can I access both admitted and non-admitted markets through Colonial General?
Yes, Colonial General offers access to both admitted and non-admitted markets, depending on the state and specific account details.
Need help placing an account? Connect with a market specialist.