Colonial General Insurance Agency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General works with a variety of carriers to provide tailored solutions that address the unique risks faced by tire retailers, installers, and service operations.
Overview of the Program From Colonial General
This program is built for tire dealers that need specialized Commercial Garage coverage. Whether your client operates a single-location tire shop or a multi-bay service center, Colonial General can help you place coverage to meet their operational and liability exposures. Our experienced team is ready to assist with underwriting guidance and fast turnaround times.
Ideal Accounts and Appetite
The Tire Dealers Insurance Program is suitable for businesses involved in:
- New tire sales and installation
- Tire repair and balancing services
Auto garages with tire-related services
- Specialty tire dealers (e.g., off-road, equipment tires)
Used tire sales may be considered on a case-by-case basis. However, accounts engaged in recap, retread, or remanufactured tire services are excluded. "AS IS" auto sales are acceptable under the program.
Coverage Highlights and Advantages
The program offers a strong suite of coverages to protect your tire dealer clients from both common and specialized risks:
- Garage Liability Limits up to $1,000,000 per accident
- $3,000,000 Liability Aggregate
- Garage Keepers Coverage on a primary basis with specified causes of loss
- Dealers Physical Damage
- False Pretense Coverage
- Fire Legal Liability
- In-Transit Coverage for towing operations
- Broad Form Garage Endorsements
- $5,000 Medical Payments
- Property Coverage available
Underwriting Notes and Minimum Premiums
Colonial General evaluates each account individually. While no specific minimum premium is listed, accounts should demonstrate sound risk management practices and fall within the target class profile. Our underwriters are happy to work with you to determine eligibility and pricing.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available depending on the risk and market availability.
Why Work With Colonial General
Colonial General brings decades of experience serving agents and brokers in the Western U.S. We specialize in hard-to-place commercial risks and niche programs, offering access to a wide range of carriers and competitive solutions. Our team is responsive, knowledgeable, and committed to helping you grow your book of business with quality markets.
If you have a tire shop client looking to expand into specialty tire sales or an automotive garage that needs stronger liability protection, Colonial General can help you secure the right coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include retail tire dealers, tire installation and repair shops, and specialty tire dealers such as those selling off-road or equipment tires.
Are used tire sales eligible for coverage?
Used tire sales may be considered depending on the nature of the operation. However, recap and retread tire services are excluded from this program.
Is this program admitted or non-admitted?
Both admitted and non-admitted markets are available depending on the state and risk profile.
What states is this program available in?
The Tire Dealers Insurance Program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I place coverage for a shop that also sells vehicles?
Yes, "AS IS" auto sales are acceptable under this program, subject to underwriting review.
Need help placing an account? Connect with a market specialist.