Overview of the Program from Pacific Coast E&S
This Heavy Truck Repairs program provides a specialty liability solution for shops that service heavy equipment, semi-trucks, tractors, bulldozers and similar units. The program is underwritten with the exposures of heavy equipment repair in mind and can be packaged with property coverage in many cases. As a wholesale broker, Pacific Coast E&S combines niche underwriting expertise with flexible endorsements to place accounts that would otherwise be difficult to place in the standard market.
Program Features:
Ideal Accounts and Appetite
This program targets repair shops and service facilities whose primary operations involve heavy trucks and non-lifting mobile equipment. Typical accounts include independent truck repair shops, fleet service centers, and mobile technicians who perform field repairs.
Accounts that may be more difficult to place include businesses that perform heavy lifting or hoisting with equipment not specifically covered by this program, or operations with unusual uses (for example, specialty lifting apparatus that require separate coverage). Discuss any lifting or rental exposures with underwriting up front.
Coverage Highlights and Advantages
- Garagekeepers Legal Liability limit available up to $85,000 per auto (26,000 GVW), addressing customer vehicle exposures common to truck repair shops.
- Broadened general liability endorsements tailored to repair operations, plus garage liability and medical payments to help manage first-party and third-party injury exposures.
- Ability to package liability features with property coverage in many cases for a one-location solution.
- Underwriting familiarity with heavy-truck specific operations — helps place accounts other carriers decline.
Underwriting Notes and Submission Guidance
When submitting, include a clear operations description, schedule of operations by location, estimated payroll and revenue, and recent loss runs. Shops with well-documented safety procedures, qualified technicians, and appropriate equipment controls are preferred. Minimum premiums may apply depending on the class and state; please confirm with underwriting on submission.
Territories and Admitted Status
Available in CA, OR and WA. Some admitted options may exist in select states; other placements may be non-admitted depending on the location and coverage selections. Confirm admitted versus non-admitted availability on each submission.
Why Work With Pacific Coast E&S on Heavy Truck Repairs
Pacific Coast E&S focuses on niche programs for classes that standard markets often avoid. As a wholesale broker, they provide agents with specialty endorsements, targeted garagekeepers limits, and the option to package property where appropriate. If your client operates a shop that services heavy trucks or mobile equipment, this program is built to help you place that risk with underwriting that understands these exposures.
Certain products and submissions may be handled nationally from a central underwriting location. Please send an email and Pacific Coast E&S will direct your inquiry to the appropriate underwriter.
Frequently Asked Questions
What types of accounts are a good fit for this Heavy Truck Repairs program?
Shops that primarily service heavy trucks, semi-trailers, tractors, bulldozers and similar mobile equipment — including engine work, hydraulic repairs (non-lifting), collision repairs, refinishing and frame straightening — are a good fit.
Which coverages and limits should I expect on typical submissions?
Key features include broadened GL endorsements, garage liability, medical payments (up to $5,000) and Garagekeepers Legal Liability up to $85,000 per auto for units up to 26,000 GVW. Additional property coverages may be packaged where appropriate.
Are there states where admitted coverage is available?
Yes. The program is available in CA, OR and WA. Some admitted options may be offered in select states; other placements may be non-admitted depending on location and coverage choices. Confirm on each submission.
What information should I include with a submission?
Provide a description of operations, location details, payroll and revenue by class, a list of equipment and on-site operations (e.g., paint booth, frame machines), and current loss runs. Highlight any safety programs or certifications to improve placement chances.
Can this program be combined with property coverage?
Yes. Many program features can be packaged with property coverages. Indicate property values and limits needed when you submit so underwriting can evaluate combined options.
Need help placing an account? Connect with a market specialist.