Garage Insurance Solutions from A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers a flexible Garage Insurance program designed to help agents and brokers place coverage for a wide range of auto-related businesses. As an experienced Excess & Surplus Lines Broker, we bring deep market access and underwriting expertise to help you secure the right coverage for your garage clients in Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island.
Ideal Accounts and Appetite
This program is well-suited for small to mid-size businesses in the auto service and repair sector, including:
- Independent auto repair shops
- Tire and battery service centers
- Brake and muffler shops
- Transmission repair specialists
- Auto body and paint shops
- Detailing and car wash operations
Whether your client operates a single-location garage or a multi-bay service center, we can help you find a market that fits their business operations and risk profile.
Coverage Highlights and Advantages
Through our access to various carriers, we can tailor Garage Insurance programs that address the unique exposures of the auto service industry. Coverage options may include:
- Garage liability and garagekeepers coverage
- General liability and property insurance
- Business interruption and equipment breakdown
- Dealers physical damage (for applicable operations)
- Customized endorsements for tools, equipment, and employee tools
We understand the complexities of insuring businesses that handle customer vehicles, operate lifts and machinery, and store flammable materials. Our team works with you to structure coverage that supports your client’s operations and risk management needs.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size, scope, and type of garage operation. We work with a range of carriers to help you match your client’s profile with the appropriate market. Our underwriting team evaluates factors such as services offered, years in business, loss history, and safety practices to deliver competitive options.
We can often accommodate risks that do not fit standard markets, including newer businesses or those with unusual exposures.
Territories and Availability
This Garage Insurance program is available to licensed agents and brokers placing business in the following states:
- Connecticut (CT)
- Massachusetts (MA)
- Maine (ME)
- New Hampshire (NH)
- Rhode Island (RI)
Most markets for this program are non-admitted, providing greater flexibility for risks that fall outside the box of admitted carriers.
Why Work With A.I.I. Insurance Brokerage of MA?
As a trusted Excess & Surplus Lines Broker, A.I.I. Insurance Brokerage of MA has the industry knowledge and carrier relationships to help you place tough garage risks. We offer responsive service, personalized underwriting support, and access to a wide range of E&S markets.
Whether you’re trying to place a startup repair shop or a seasoned operation with claims history, we are here to help you find a workable solution. You might have a client who recently expanded their shop to include detailing services—our program can be structured to reflect that changing risk profile.
Partner with us to provide your garage clients with the right mix of protection and value.
Frequently Asked Questions
What types of accounts are a good fit for this Garage Insurance program?
This program targets auto repair shops, tire and brake service centers, auto body shops, and other small to mid-size garage operations.
Is this program available for new ventures or businesses with limited experience?
Yes, we can consider newer businesses depending on their operations, safety practices, and overall risk profile.
Can this program accommodate risks with prior claims?
Yes, we have access to E&S markets that can consider accounts with some loss history, though each case is individually underwritten.
What coverage options are typically available?
Common coverages include garage liability, garagekeepers, general liability, property, and equipment breakdown, with optional endorsements as needed.
Which states is this program available in?
This program is available in Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island.
Need help placing an account? Connect with a market specialist.