Auto upholstery shops face unique risks due to their specialized work with vehicle interiors, customer property, and garage operations. Colonial General Insurance Agency, Inc. offers a tailored Auto Upholstery Shop Insurance program designed to address these exposures and help your clients stay protected. As a Managing General Agency and E&S Broker, Colonial General provides access to comprehensive garage coverage solutions through various carrier partners.
Overview of the Program From Colonial General
This program is built specifically for auto upholstery shops, detailing businesses, and similar operations that handle vehicles in a garage setting. Whether your client is running a small custom upholstery shop or a multi-bay operation, Colonial General can help you place accounts with the right level of protection, including garage liability, garage keepers, and property coverage.
Ideal Accounts and Appetite
Colonial General is looking to work with independent agents and brokers who have clients in the following categories:
- Auto upholstery and interior restoration shops
- Custom car interior specialists
- Shops offering detailing or minor customization services
- Facilities providing vehicle pickup and delivery services
Acceptable risks typically include businesses with clean loss histories and sound risk management practices. Operations with towing or in-transit exposures are also considered, as coverage can include towing-related liability.
Coverage Highlights and Advantages
This program includes a variety of essential coverages to protect your insureds:
- 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
- Broadened Coverage Endorsements
- In-Transit Coverage – For operations involving towing or vehicle movement
- Fire Legal Liability
- Medical Payments – Up to $5,000
- General Liability Aggregate – Up to $3,000,000
- Property Coverage – Available as part of the program
This robust package helps safeguard your clients' operations, customer vehicles, and liability exposures while on or off their premises.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers and can accommodate both admitted and non-admitted placements depending on the specific risk and state. Minimum premiums vary depending on the account, risk profile, and coverage selections. Underwriters review each submission carefully to match the risk with the appropriate market and terms.
Territories and Availability
This program is currently available to licensed agents and brokers in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General continues to expand its reach and may have access to additional markets as needed.
Why Work With Colonial General on This Business
With decades of experience serving independent agents throughout the West, Colonial General is a trusted MGA with deep expertise in garage, auto services, and specialty commercial risks. Their responsive underwriting team understands the nuances of auto upholstery exposures and can help you place accounts that may not fit standard markets. With access to multiple carriers and flexible solutions, Colonial General is a strong partner for your specialty garage clients.
Whether you're working with a startup shop or an established upholstery operation looking to expand coverage, Colonial General can deliver the right solutions to protect your clients and grow your book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for auto upholstery shops, interior restoration businesses, and detailing operations that handle customer vehicles and operate in a garage setting.
What coverages are included in the Auto Upholstery Shop Insurance program?
Key coverages include garage liability, garage keepers on a primary basis, dealers physical damage, false pretense, fire legal liability, medical payments, and property coverage.
Is this program available in all states?
No, the program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted options available?
Yes, Colonial General offers access to both admitted and non-admitted markets, depending on the specific risk and state.
How do I submit a risk to Colonial General?
You can begin by visiting their company profile or storefront and contacting their underwriting team to discuss submission requirements.
Need help placing an account? Connect with a market specialist.