Heavy truck sales and repair operations have complex garage, liability and physical damage exposures. Colonial General Insurance Agency, Inc. offers a targeted program — Heavy Truck Sales and Repair Shop Insurance — designed for agents placing commercial garage and dealer risks across the Mountain West and Southwest. The program combines specialized garage liability, garagekeepers and dealers physical damage options with in-transit and towing coverages to address the most common heavy-truck exposures.
Overview of the Program from Colonial General Insurance Agency, Inc.
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General places heavy truck sales and repair risks with a variety of admitted and non-admitted markets (Some Available Markets). The program offers flexible limits and coverages tailored for medium to large commercial garage operations, heavy truck dealerships and mobile repair contractors. Carriers vary by state and account characteristics.
Ideal Accounts and Appetite
- Heavy truck dealerships and resale yards that also perform on-site repairs.
- Full-service repair shops specializing in heavy trucks, trailers and heavy equipment.
- Mobile heavy truck repair contractors servicing fleet accounts or roadside repairs (acceptable).
- Towing and in-transit operations associated with sales or repair activities.
Accounts that generally do not fit: businesses that perform liquefied petroleum gas (LPG) equipment repairs and facilities that do refrigeration or HVAC unit repair — these are specifically prohibited.
Coverage Highlights and Advantages
- Commercial garage coverage with up to $3,000,000 liability aggregate.
- Garage liability limits available up to $1,000,000 per accident.
- Garagekeepers coverage available on a primary basis (specified causes of loss).
- Dealers physical damage and in-transit coverage for towing operations.
- Broadened coverage options and fire legal liability included as available.
- $5,000 medical payments (as part of standard offerings).
- Property coverage can be added where needed.
Underwriting Notes and Restrictions
Underwriters will review the applicant’s loss history, shop operations, types of vehicles serviced, and any towing/in-transit exposure. Mobile repair operations are acceptable; however, repairs involving liquefied petroleum gas equipment or refrigeration units are excluded. Garagekeepers coverage is offered on a primary basis but limited to specified causes of loss, so review storage and customer vehicle exposure carefully.
Because carriers vary, admitted availability depends on the state and account specifics — Colonial General can place some accounts in admitted markets and others in E&S. Provide complete operation descriptions, estimated payroll, annual receipts, and detailed loss runs to help secure the most competitive placement.
Territories and Availability
The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Coverage forms, endorsements and admitted status can differ by state; Colonial General will identify admitted options where available and use E&S markets when necessary.
Why Work with Colonial General Insurance Agency, Inc.?
Colonial General combines garage-focused underwriting expertise with access to multiple carriers to handle complex heavy truck sales and repair risks. Agents benefit from tailored coverage options (garage liability, dealers physical damage, garagekeepers, in-transit), flexible limit structures and a willingness to consider mobile repair and towing operations that many standard markets decline. The MGA/E&S placement capability helps fill gaps when admitted markets are limited.
Example account scenarios
- You have a heavy truck dealership that sells used trucks and operates an on-site repair bay: the program can combine dealers physical damage with garage liability and garagekeepers on a primary basis.
- You represent a mobile heavy-truck repair contractor servicing regional fleets: Colonial General can consider in-transit and towing exposures as part of a broader garage package.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Heavy truck dealerships, full-service repair shops, and mobile heavy truck repair contractors are the primary targets. Towing/in-transit exposure related to sales and repair operations is also supported.
Are mobile repair operations accepted?
Yes. Mobile heavy truck repair is acceptable under this program, but detailed operations and exposures must be disclosed for underwriting review.
Which coverages and limits are available?
The program offers commercial garage coverage with up to $3,000,000 aggregate, garage liability limits up to $1,000,000 per accident, garagekeepers (primary, specified causes), dealers physical damage, in-transit coverage and property options. Specific offerings depend on carrier and state.
Are any repairs or services excluded?
Yes. Repairs to liquefied petroleum gas (LPG) equipment and work on refrigeration units are prohibited under this program and will render an account ineligible.
Need help placing an account? Connect with a market specialist.