Bus sales and repair operations come with unique risks that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a comprehensive Bus Sales and Repair Shop Insurance program through its Garage department, which is backed by experienced underwriters who understand the nuances of this niche industry. Whether your clients are selling motorcoaches, converting buses into RVs, or running a full-service repair shop, this program is designed to help you place their business with confidence.
Ideal Accounts and Appetite
This program is ideal for accounts involved in:
- Bus sales (new or used)
- Bus repair and maintenance shops
- Bus conversions (e.g., RV or specialty use)
- Remodeling and retrofitting of buses
Accounts with towing operations or in-transit vehicle exposures can also be considered. This program is flexible enough to address both simple and complex garage risks, making it a valuable solution for agents who need to cover diverse exposures under one policy.
Coverage Highlights and Advantages
Colonial General offers a wide range of commercial garage coverages tailored for bus-related operations:
- $3,000,000 Liability Aggregate
- $5,000 Medical Payments
- Broadened Coverage Endorsements
- Dealers Physical Damage
- False Pretense Coverage
- Fire Legal Liability
- Garage Keepers Coverage on a Primary Basis (with specified causes of loss)
- Garage Liability Limits up to $1,000,000 per accident
- In-Transit Coverage for Towing Operations
- Optional Property Coverage
This program offers flexibility to package key protections while addressing industry-specific exposures such as misrepresentation during vehicle sales (False Pretense) and physical damage to customers’ buses in your client’s care.
Underwriting Notes and Minimum Premiums
Colonial General underwrites on a case-by-case basis and has access to a variety of markets to find the right fit. While specific minimum premiums are not listed, submissions should be well-documented to ensure a smooth underwriting process. Risks with clear operations, good loss history, and proper safety controls are preferred.
Example: You may have a client with a mid-size bus dealership that also offers repairs and limited towing services. This program can combine their liability, garage keepers, and property needs under one streamlined policy.
Territories and Availability
This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverage may be available on an admitted basis, while others may be placed on a non-admitted basis depending on the risk and state regulations.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in garage-related exposures and the ability to access multiple markets. Their dedicated Garage department provides responsive service, knowledgeable underwriting, and flexible options that help you meet your clients' needs quickly and efficiently. When you work with Colonial General, you're partnering with a team that understands the bus business and offers tailored solutions that go beyond basic coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Bus dealerships, repair shops, towing operations, and businesses involved in bus conversions or remodeling are ideal candidates.
Is Garage Keepers Coverage included in this program?
Yes, Garage Keepers Coverage is offered on a primary basis with specified causes of loss to protect customer vehicles in your client’s care.
Are bus conversion operations eligible?
Yes, accounts involved in converting or remodeling buses for RV or specialty use can be considered under this program.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What limits are available under the Garage Liability coverage?
The program offers Garage Liability limits up to $1,000,000 for each accident, with aggregates up to $3,000,000.
Need help placing an account? Connect with a market specialist.