Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile.
Ideal Accounts and Appetite
This program is designed for independent agents placing accounts such as:
- Motorcycle dealerships (new and used)
- Repair, maintenance, and service shops
- Custom bike builders and specialty fabrication shops
- Shops that sell or install parts, accessories, apparel, or provide towing
Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy.
Coverage Highlights and Advantages
Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include:
- Garage Liability: Limits up to $1,000,000 per occurrence
- Aggregate Liability: Up to $3,000,000
- Medical Payments: $5,000
- Garage Keepers: Available on a primary basis with specified causes of loss
- Dealers Physical Damage for inventory and customer vehicles
- False Pretense coverage
- Fire Legal Liability
- In-Transit Coverage: For towing and transport operations
- Broadened Coverage Endorsements to address common industry exposures
- Property Coverage: Available for buildings, contents, and business personal property
- Extension of Liability: Can include related operations such as parts, clothing, or accessory sales
These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control.
Underwriting Notes
Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled.
Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement.
Territories and Availability
This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from:
- Access to multiple admitted and non-admitted markets
- Underwriting expertise focused on motorcycle dealerships and repair operations
- Support through quoting, submission, and binding to secure competitive terms
- Flexible coverage structures to consolidate sales, service, and retail exposures
If you need help placing an account or want guidance on submission details, connect with a market specialist.
What types of accounts are a good fit for this program?
This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales.
Can the program cover both sales and repair operations under one policy?
Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package.
Is Garage Keepers coverage offered on a primary basis?
Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms.
Which states is this program available in?
The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Do you offer admitted and non-admitted options?
Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile.
Need help placing an account? Connect with a market specialist.