Overview of the Program From Abram Interstate Insurance Services, Inc.
Abram Interstate Insurance Services, Inc. offers a specialized Auto Repair Shops/Garages Insurance program designed to help agents place coverage for clients operating in the automotive service industry. As a Managing General Agency (MGA) with access to a range of non-admitted markets, Abram Interstate provides flexible solutions to address the unique liability exposures faced by garage and auto repair operations.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of businesses within the automotive repair and service sector, including:
- Independent auto repair shops
- Brake and muffler shops
- Transmission specialists
- Auto body and paint shops
- Detailing and customization shops
Whether your client is a small family-owned garage or a mid-size repair business with several bays, you can find a home for their account through this program. The underwriting team understands the operations and risks associated with these classes, making it easier for you to place coverage efficiently.
Coverage Highlights and Advantages
The program includes two essential coverages for garage operations:
- Garage Liability: Protects against claims arising from operations, premises, and auto-related activities.
- Garage Keepers Legal Liability: Provides protection for customers’ vehicles left in the care, custody, or control of the business.
These coverages are tailored to address common exposures such as property damage during test drives, accidental damage to customer vehicles while on the premises, and slip-and-fall incidents in the shop area.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the risk profile, location, and size of the operation. Abram Interstate works with various carriers to help tailor quotes that match your client’s needs. Submissions with complete applications, loss runs, and business descriptions will receive faster consideration.
Territories and Availability
This program is available to agents and brokers with clients in California (CA), Arizona (AZ), and Nevada (NV). All offerings are placed on a non-admitted basis, allowing more flexibility in underwriting and pricing for unique risks.
Why Work With Abram Interstate Insurance Services, Inc.?
With a strong focus on specialty commercial lines and deep experience in niche markets, Abram Interstate is a valuable partner for agents looking to place hard-to-place garage and auto service risks. Their team offers responsive service, competitive market access, and a streamlined submission process to help you secure coverage quickly and confidently.
Whether you have a client opening a new auto repair shop or an established garage with a growing customer base, Abram Interstate can help you deliver the right coverage package.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include independent auto repair shops, brake and tire centers, transmission specialists, and auto body shops located in CA, AZ, or NV.
Is this program available on an admitted basis?
No, this program is available on a non-admitted basis only, allowing more flexibility in underwriting and pricing.
What are the key coverages included?
The program includes Garage Liability and Garage Keepers Legal Liability to protect against both operational and customer vehicle exposures.
Do you require loss runs or other documentation for a quote?
Yes, complete submissions including loss runs, a detailed business description, and any prior coverage information help speed up the quoting process.
Can I submit risks located outside of CA, AZ, or NV?
No, currently this program is only available for risks located in California, Arizona, and Nevada.
Need help placing an account? Connect with a market specialist.