Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property.
Ideal Accounts and Appetite
This program is ideal for mobile mechanics operating independently or with a small crew, including those who:
- Perform repairs on-site at customer locations or homes
- Operate towing services or roadside assistance
- Provide light mechanical work from a garage or shop
- Handle customer vehicles under their care, custody, or control
Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred.
Coverage Highlights and Advantages
Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals:
- Garage Liability Limits up to $1,000,000 per accident
- $3,000,000 General Liability Aggregate
- $5,000 Medical Payments
- Garage Keepers Coverage on a primary basis with specified causes of loss
- Dealers Physical Damage
- False Pretense Coverage
- Fire Legal Liability
- In-Transit Coverage for towing operations
- Broadened Coverage for additional peace of mind
- Property Coverage available
- Roadside Assistance operations acceptable
Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client.
While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria.
Territories and Availability
This Mobile Mechanics Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients.
Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage.
Is coverage available for customer vehicles in the mechanic’s care?
Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession.
Can this program accommodate towing operations?
Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services.
Which states is this program available in?
The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted options available?
Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state requirements.
Need help placing an account? Connect with a market specialist.