Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance
As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program designed for a wide range of auto-related businesses. This program helps independent retail agents and brokers place difficult or niche garage risks across Idaho, Nevada, and Washington by using non-admitted markets and tailored underwriting.
Ideal Accounts and Target Classes
This program fits many garage operations that often have trouble in the admitted market. Target classes include:
- Auto dealers — new, used, wholesale, and internet-based
- Auto maintenance, repair, and body shops
- Recreational vehicle and motorcycle sales & repair
- Antique and classic auto restoration
- Mobile repair units and roadside assistance providers
- Valet parking services
- Auto glass, tinting, upholstery, and vehicle wrap services
- Salvage yards, dismantlers, and utility trailer repair
- Heavy truck sales and repair
Examples of good-fit accounts you might submit: a rural RV repair shop that runs mobile service calls and needs broad garagekeepers limits, or a used-car dealer with an open-lot exposure and prior minor liability losses that has been declined by admitted carriers.
Coverage Highlights
Available coverages include (but are not limited to): Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insureds, Broadened Coverages, and Property. Limits available typically go up to $1,000,000 per occurrence / $3,000,000 aggregate for liability, and up to $1,000,000 for Garagekeepers coverage, subject to underwriting and carrier guidelines.
Underwriting Notes and Minimum Premiums
This is a non-admitted program placed through various surplus lines carriers, which gives Ck Specialty flexibility to craft solutions for more complex or nonstandard risks. Underwriting focuses on operations, location, loss history, and safety controls. Classes with mobile operations, salvage activities, or heavy-truck exposures are considered but reviewed carefully for limits, deductibles, and policy terms.
Minimum premiums start at $750 for mono-line Garage Liability or Garagekeepers placements and generally $1,000 for package policies, though final pricing varies by class and exposures.
Territories and Availability
The program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions are reviewed on a case-by-case basis; appetite and terms may differ by state and carrier.
Why Work With Ck Specialty
Ck Specialty Insurance is a family-owned wholesale brokerage and Western-based MGA and Surplus Lines Broker. They emphasize responsiveness and practical placement strategies for hard-to-place garage accounts. Their carrier relationships and underwriting expertise help independent agents access markets and coverage forms they may not reach directly.
Whether your client operates from a remote location, runs mobile units, manages salvage operations, or simply needs broader-than-average liability and garagekeepers protection, Ck Specialty can help you identify placement options and move submissions efficiently.
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 auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses that are hard to place in admitted markets.
Is this an admitted or non-admitted program?
This is a non-admitted program placed through surplus lines carriers, offering greater flexibility in underwriting and coverage customization.
What are the minimum premium requirements?
Minimum premiums typically start at $750 for mono-line coverages and $1,000 for package policies, though final premiums depend on class, limits, and exposures.
Which states is this program available in?
This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington.
Can this program cover mobile operations or roadside assistance companies?
Yes—mobile repair units and roadside assistance providers are among the accepted classes. Submissions should detail operations, limits requested, and risk controls to help underwriters assess placement options.
Need help placing an account? Connect with a market specialist.