Overview of the Dealers and Non-Dealers Garage Insurance Program
As a general agency and excess & surplus lines broker, Ck Specialty Insurance Associates, Inc. provides agents access to a robust Garage Insurance Program tailored to both dealers and non-dealers. Whether your clients operate in light auto repair or work with heavy trucks, this program is designed to cover a wide variety of exposures in the automotive services and sales sector.
Ideal Accounts and Appetite
This program targets a broad range of businesses involved in vehicle sales, repair, and related services. Common classes include:
- Wholesale Auto Dealers & Brokers
- Heavy Truck Dealers & Repair Shops
- Antique and Classic Car Sales and Restoration
- Motorcycle, RV, and Golf Cart Dealers
- Auto Body and Paint Shops
- Mobile Repair Services and Roadside Assistance Providers
- Valet Services, Parking Garages, and Impound Yards
- Franchised and Non-Franchised Used Auto Dealers
- Car Washes, Auto Detailers, and Vinyl Wrapping Installers
Whether your client is an established new car dealer or a startup mobile repair technician, Ck Specialty can help place the right coverage.
Coverage Highlights and Advantages
The program offers a wide array of coverages to ensure your clients are protected against both common and unique exposures, including:
- Property Coverage
- Garage Liability
- Garage Keepers Legal Liability
- Dealers Open Lot
- Hired and Non-Owned Auto
- Errors & Omissions – Dealers, Odometer & Title
- Directors & Officers (D&O)
- Employment Practices Liability Insurance (EPLI)
- Umbrella/Excess Liability
- Broadened Coverage Options
- Special Events Coverage
- Service Vehicle Liability and Physical Damage
This flexible offering allows agents to tailor coverage to the specific needs of each client, whether they operate on-site, offer mobile services, or host public events.
Underwriting Notes and Minimum Premiums
The program is written on a non-admitted basis through AM Best “A” rated carriers, offering flexibility in underwriting and coverage design. Minimum premiums start at $750, making this an accessible solution for a wide range of garage operations.
Territories and Availability
This program is currently available in Arizona, California, and Colorado. If you’re working with clients in these states, Ck Specialty can help you place coverage with strong market access and underwriting support.
Why Work With Ck Specialty Insurance Associates, Inc.?
Ck Specialty brings deep expertise and a flexible approach to garage-related risks. As a general agency and E&S broker, they have access to top-rated carriers and understand the nuances of the automotive service and sales industry. Their team is committed to responsive service and helping agents find the right market for hard-to-place or niche accounts.
You might have a client restoring antique vehicles in a small shop or a dealer specializing in heavy trucks and towing services. Ck Specialty has the tools and markets to help you secure the right protection for these unique exposures.
Contact Ck Specialty today to learn more about placing your garage accounts.