Program Overview from Ck Specialty Insurance
Ck Specialty Insurance Associates, Inc. offers a comprehensive Garage Liability & Garagekeepers Insurance program tailored for a wide range of automotive-related businesses. As a trusted, family-owned MGA and Surplus Lines Broker based in the Western U.S., Ck Specialty provides brokers and agents access to multiple A-rated markets, with in-house binding authority and strategic brokerage options to meet your clients’ unique needs.
This program is available in Arizona, Nevada, and Oregon, and is written on a non-admitted basis through strong carrier partnerships.
Ideal Accounts and Risk Appetite
This program is built to serve a wide array of garage and automotive operations. Whether your client is a small repair shop or a large truck dealership, Ck Specialty is ready to help you place the business. Ideal accounts include, but are not limited to:
- Service and Repair Shops
- Tire Shops (including used tire sellers)
- Used Auto Dealers
- Valet Parking Services
- Auto Dismantlers and Salvage Yards
- Body and Paint Shops
- Heavy Truck Dealers and Repair Operations
- Mobile Auto Repair Services
- Oil & Lube Shops
- Auto Storage and Impound Yards
- Classic and Antique Auto Restoration
- Roadside Assistance Providers
- Car Wash Facilities
You might have a client running a mobile repair service out of Phoenix or a growing used car dealership in Las Vegas—this program is designed to cover those types of risks efficiently and competitively.
Coverage Highlights and Advantages
Comprehensive protection is available for a variety of exposures commonly found in the garage and automotive industry. Coverages offered include:
- Garage Liability
- Garagekeepers Coverage (Direct Primary or Legal Liability)
- Dealers Open Lot
- General Liability
- Excess Liability
- Property
- Employment Practices Liability
- Pollution Liability
- Inland Marine
With multiple A-rated carriers and flexible underwriting, Ck Specialty can tailor coverage to match your clients' operational risks and industry exposures.
Underwriting and Minimum Premiums
The program offers a competitive minimum premium starting at $750, making it accessible for smaller operations while still scalable for larger accounts. In-house binding authority helps expedite the quoting and binding process, and when needed, brokerage markets can be accessed for more complex risks.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- Nevada (NV)
- Oregon (OR)
Agents operating in these states can leverage Ck Specialty’s expertise and market access to confidently quote and place these accounts.
Why Partner with Ck Specialty Insurance
As a Western-based, family-operated MGA and Surplus Lines Broker, Ck Specialty Insurance is committed to helping retail brokers succeed. With access to multiple A-rated carriers, a broad appetite for garage-related risks, and a focus on responsive service, Ck Specialty is a reliable partner for hard-to-place and standard accounts alike. Their in-house authority streamlines the process while providing the flexibility needed in today’s competitive insurance marketplace.
Ck Specialty Insurance: Opening market doors…for you.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for service and repair shops, used auto dealers, mobile mechanics, tire shops, car washes, and heavy truck repair businesses, among others.
Is this program available on an admitted basis?
No, this program is written on a non-admitted basis through A-rated carriers.
What is the minimum premium for this program?
The minimum premium starts at $750, making it accessible for small to mid-sized operations.
What states is the program available in?
This program is currently available in Arizona, Nevada, and Oregon.
Can I access this program if I have a complex or unusual account?
Yes, Ck Specialty has both in-house binding authority and access to brokerage markets for more complex or non-standard risks.
Need help placing an account? Connect with a market specialist.