Colonial General Insurance Agency, Inc. offers a specialized Window Tinting Insurance program designed to meet the unique needs of window tinting shops and related automotive service providers. With decades of experience in the niche commercial auto industry, Colonial General provides independent agents and brokers with the tools and market access needed to place quality business for their insureds at competitive rates.
Ideal Accounts and Appetite
This program is ideal for small to mid-size window tinting businesses that may also engage in related services such as auto detailing, paint protection film installation, and vinyl wrapping. Accounts with a physical garage location, mobile operations, or towing services may also be eligible, depending on underwriting. Colonial General has flexibility to consider new ventures and start-ups as long as the risk characteristics fall within guidelines.
Examples of good fits include:
- A window tinting shop with two service bays and light retail sales.
- A mobile tinting operation serving dealerships and private clients within a metro area.
Coverage Highlights and Advantages
Colonial General’s Window Tinting Insurance program offers robust protection through Commercial Garage Coverage, tailored for the exposures tinting businesses face. Key coverages include:
- Garage Liability Limits up to $1,000,000 per accident
- $3,000,000 General Liability Aggregate
- $5,000 Medical Payments
- Broadened Coverage endorsements
- Dealers Physical Damage
- False Pretense Coverage
- Fire Legal Liability
- Garage Keepers Coverage on a primary basis with specified causes of loss
- In-Transit Coverage for towing operations
- Optional Property Coverage
These coverages help protect your clients from third-party liability claims, damage to customers’ vehicles in their care, and exposures related to physical damage, theft, or misrepresentation.
Underwriting Notes and Minimum Premiums
The program is available through both admitted and non-admitted markets, depending on the risk profile and state. Underwriting flexibility allows Colonial General to evaluate a wide range of operations, with minimum premium requirements varying based on carrier and coverage selected. Submissions should include a completed garage liability application, loss runs (if applicable), and vehicle schedules for the most efficient processing.
Territories and Availability
Colonial General offers this Window Tinting Insurance program in the following Western states:
- Arizona
- California
- Colorado
- Idaho
- Nevada
- New Mexico
- Utah
- Wyoming
Availability of admitted or non-admitted options may vary by state. Reach out to Colonial General for state-specific guidelines and eligibility.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings strong carrier relationships and specialized program knowledge to support independent agents. Their experienced underwriting team understands the nuances of auto service operations, helping you match the right coverage to your client’s business. With a commitment to responsive service and competitive products, Colonial General is a trusted partner for placing hard-to-place or niche commercial auto risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for window tinting shops, mobile tinting services, and related automotive accessory businesses with or without physical garage locations.
Is Garage Keepers Coverage included?
Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss.
Are start-up businesses eligible?
Yes, Colonial General may consider new ventures depending on the overall risk profile and underwriting criteria.
Which states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted options available?
Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and specific risk.
Need help placing an account? Connect with a market specialist.