Arrowhead General Insurance Agency, Inc. offers the Automotive Aftermarket - Garage Package — a commercial package built for retail and service-focused auto businesses. Backed by an admitted A+ (XV) carrier rated by A.M. Best, this program combines decades of underwriting experience with targeted coverages for the automotive aftermarket. Use this program to place new business or renewals for repair shops, retail tire stores, quick lube centers and other specialty installers.
Originally developed by Universal Underwriters, Arrowhead continues to underwrite this product with a focus on practical, industry-specific risk transfer. The program supports both quick online binding for eligible small-to-mid accounts and manual handling for larger placements.
Ideal Accounts and Target Classes
This program targets small to mid-size businesses in the automotive aftermarket. Agents can submit a wide variety of garage and retail-oriented risks; all account sizes are considered with defined online and manual submission thresholds.
Target classes include:
- Auto body, collision and repair shops
- General mechanical repair shops
- Brake and muffler specialists
- Auto glass repair and installation
- Transmission repair shops
- Retail tire stores
- Retail auto parts and accessories (new parts only)
- Car stereo and alarm installers
- Quick lube and oil change centers
Note: Towing operations and other classes not listed above may be eligible but typically require a production commitment and a separate contract. Learn more about our towing coverage options.
Coverage Highlights and Advantages
The Garage Package groups common and specialty coverages agents need when placing automotive aftermarket risks:
- Garagekeepers liability — direct or legal liability options
- Business auto liability and physical damage
- General liability and employee benefits liability
- Mechanics errors & omissions (E&O)
- Business income (Actual Loss Sustained)
- Employee tools coverage
- Crime coverage — employee dishonesty, forgery, and money/securities
- Equipment breakdown protection
- Property coverage extensions
- Umbrella and excess liability options
Underwriting Notes and Submission Guidelines
Arrowhead provides multiple submission paths to speed placement while handling larger, more complex risks manually:
- Instant online binding for eligible risks with premiums up to $50,000
- Online quoting and submission required for accounts with premiums up to $125,000
- Manual submission (ACORD plus supplemental forms) required for accounts exceeding $125,000
Minimum premium levels and specific underwriting requirements vary by state and class — please inquire for detailed thresholds and documentation checklists.
Territories and Availability
The program is available in most U.S. states. It is not available in AK, HI, FL, LA or TX. Arrowhead is actively contracting producers nationwide; current states served include AL, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With Arrowhead
As a specialized general agency, Arrowhead combines deep automotive aftermarket underwriting experience with streamlined digital workflows. Agents get access to an admitted, highly rated carrier, flexible coverage form options, and a team familiar with common garage exposures. The program is designed to move business quickly when appropriate, while also accommodating larger or more complex accounts through manual underwriting.
Example Accounts That Fit This Program
- A single-location collision and repair shop that needs garagekeepers coverage, general liability, business auto and property extensions.
- A multi-bay quick lube center or retail tire store seeking combined property, GL, employee tools and optional umbrella protection.
Click to learn more.
Not appointed with Arrowhead? Apply online at ArrowheadGrp.com/producers/
Frequently Asked Questions
What types of accounts are a good fit for this program?
The Garage Package is well suited for auto repair shops, retail tire and parts stores (new parts only), quick lube centers, and specialty installers such as car stereo or alarm shops.
Is towing coverage included in this program?
No. Towing operations require a separate contract and production commitment. Coverage for towing is available through a dedicated Arrowhead towing program.
How can I submit an account?
You can bind eligible risks instantly online up to the $50,000 premium threshold. For accounts up to $125,000, submit via Arrowhead’s online quoting portal. Larger risks require a manual submission (ACORD forms plus supplements).
Is this program available in my state?
The program is offered in most states except AK, HI, FL, LA, and TX. Refer to the Territories and Availability above or contact Arrowhead for state-specific details.
Do I need to be appointed to submit business?
Yes. Producers must be contracted with Arrowhead to access the program. You can apply online through their producer portal.
Need help placing an account? Connect with a market specialist.