Ideal Accounts and Appetite
This program is tailored for a diverse range of garage-related businesses, including both established operations and new ventures. Eligible risks include:
- Auto Maintenance & Repair Shops
- Auto Paint & Body Shops
- Heavy Truck and Tractor Dealers/Repair
- Mobile Auto Repair Services
- RV & Trailer Dealers and Repair Shops
- Motorcycle and Off-Road Vehicle Dealers
- Non-Franchised Auto Dealers
- Boat Engine Repair (on land)
- Emergency Vehicle Sales/Repair
- Valet Parking Operations
- Auto Dismantling & Salvage Yards (AZ only)
Coverage is currently available in Arizona and California, with some variations in eligible classes by state.
Coverage Highlights and Advantages
The Dealer & Repair Insurance Program provides robust protection across key exposures:
- Garage Liability: $1,000,000 per occurrence / $3,000,000 aggregate
- Garagekeepers Coverage:
- Heavy trucks and tractors: $150,000 per unit / $500,000 aggregate
- Mixed auto types: $500,000 aggregate
- Legal Liability and Direct Primary options available
- Maximum deductible per loss: $5,000
- Property Coverage: Building, contents, and business income
- Additional Coverages: Signs, glass, E&O for auto dealers
- Optional Liability Extensions: Part sales, lessor’s risk, mini-marts, and more
- Vehicle Scheduling: Most business-use vehicles can be listed
Whether your client operates a mobile repair service or a multi-location repair shop, this program offers flexibility and depth of protection.
Underwriting Notes and Minimum Premiums
New ventures are welcome, and underwriting requires a completed Garage Application along with relevant supplements, including:
- Heavy Vehicle Equipment Service or Tow Operator Questionnaire
- Owner and mechanic experience overview
- Building and lot security details
- Motorcycle/Off-Road Supplement (if applicable)
Minimum premium varies depending on risk characteristics and selected coverages.
Territories and Availability
This admitted program is currently available in:
- Arizona – Full range of eligible classes
- California – Select classes, including repair shops, body shops, mobile repair, and RV/trailer dealers
Why Work With Cochrane & Company
As a trusted Managing General Agency, Cochrane & Company brings decades of experience in specialty insurance markets. Their Dealer & Repair Insurance Program is built with agent needs in mind, offering flexible underwriting, quick turnaround, and access to admitted markets with strong financial backing. Whether you're placing a startup mobile mechanic or a high-volume heavy truck dealer, Cochrane & Company is ready to help you secure the right coverage for your client.
For more information on how to submit a risk or to request a quote, please contact Cochrane & Company today. We look forward to helping you grow your garage-related book of business.