Auto detailing businesses face unique exposures that standard commercial insurance often does not address. Colonial General Insurance Agency, Inc. offers a tailored Auto Detail Shop Insurance program through its specialized Commercial Garage Department. Designed specifically for detailing operations—both fixed-location and mobile—this program helps agents and brokers place hard-to-insure risks with confidence.
Overview of the Program From Colonial General
Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to multiple markets and underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides comprehensive coverage options for businesses involved in vehicle detailing, including mobile operations and those with incidental towing exposure. With availability in multiple Western states, this offering is a strategic solution for agents looking to place niche garage accounts.
Ideal Accounts and Appetite
This program is ideal for:
- Auto detailing shops with or without physical locations
- Mobile detailers operating on a scheduled or on-demand basis
- Shops offering light mechanical services in conjunction with detailing
- Operations with in-transit exposures or incidental towing
Risks outside the appetite may include high-volume repair garages or those with significant bodywork or paint operations, which may require alternative programs.
Coverage Highlights and Advantages
Colonial General’s program includes the following key coverages:
- Garage Liability limits up to $1,000,000 per accident
- $3,000,000 Aggregate Liability limit
- Garage Keepers Coverage on a primary basis with specified causes of loss
- Dealers Physical Damage and False Pretense Coverage
- Fire Legal Liability
- $5,000 Medical Payments
- Broadened Coverage Endorsements
- In-Transit Coverage for Towing Operations
- Property Coverage available
Mobile detailing operations are also acceptable, providing added flexibility for agents working with non-traditional service models.
Underwriting Notes and Minimum Premiums
Each submission is underwritten individually, with markets varying by risk profile. Some admitted options may be available, depending on the state and specific exposure. Although minimum premium requirements are not specified, competitive pricing is available for qualifying accounts.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Agents in these states can access admitted and non-admitted markets to meet a wide range of client needs.
Why Work With Colonial General Insurance Agency, Inc.
Colonial General offers deep industry knowledge, responsive underwriting, and access to multiple carriers specializing in garage-related risks. Whether you're placing a startup mobile detailing operation or a multi-bay detailing business with property and towing exposures, you’ll benefit from their ability to craft custom coverage solutions.
Visit Colonial General's company profile to learn more about placing business with them.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures.
Are mobile auto detailers eligible for coverage?
Yes, mobile detailing operations are acceptable under this program and can be written with proper underwriting information.
Is Garage Keepers coverage included?
Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss.
Which states offer this program?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does the program include options for admitted markets?
Some admitted markets are available depending on the risk and state. Colonial General will help determine the best fit based on the submission.
Need help placing an account? Connect with a market specialist.