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Policy Highlights: Colonial General Insurance Agency, Inc. offers a Salvage Yard Insurance program tailored to the unique risks of salvage yards, auto dismantlers, and impound facilities. Through our Commercial Garage department, we provide agents and brokers access to a broad set of coverages crafted for this niche industry. Whether your client operates a small yard or a larger facility with towing and vehicle sales operations, our underwriting team will work with you to secure appropriate protection. Ideal Accounts and Appetite Our program is a strong fit for: Auto salvage yards and recyclers Vehicle impound lots (fenced and gated) Auto dismantlers with parts resale operations Operators offering towing services or in-transit vehicle movement Facilities selling vehicles “AS IS” All accounts must meet basic security requirements, including fully fenced and gated yards. We accept “AS IS” vehicle sales and towing operations, making this a flexible solution for complex garage risks. Accounts with poor site security, extensive on-site retail operations unrelated to vehicle parts, or significant environmental contamination exposures are generally not a fit without mitigation. Coverage Highlights and Advantages This program delivers Commercial Garage coverage options customized for salvage operations, including: Garage Liability limits up to $1,000,000 per accident $3,000,000 aggregate liability limit $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 endorsements available Property coverage options These coverages help your clients manage exposures tied to customer vehicles, on-site property damage, theft, and liability from sales or towing operations. Endorsement flexibility and a garage-focused underwriting approach make the program useful for mixed-operation facilities. Underwriting Notes and Minimum Premiums Underwriting is done on a risk-by-risk basis. We look for well-managed operations with adequate security, documented safety practices, and acceptable claims histories. Fully fenced and gated facilities are required for eligibility. Minimum premiums vary by state and risk characteristics; our underwriters will provide state-specific guidance when you submit an inquiry. Territories and Availability Colonial General’s Salvage Yard 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) Coverage is placed through a mix of admitted and non-admitted markets depending on carrier appetite and state regulations. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings deep expertise in garage and auto-related risks. Our team understands salvage yard exposures and offers hands-on underwriting, fast responses, and access to multiple carrier relationships. We help agents place tough-to-insure accounts with practical coverage solutions and the flexibility many salvage operations need. Example scenarios that fit this program: you have a client who runs a fenced salvage yard with onsite dismantling and occasional “AS IS” sales; or a tow operator who stores impounded vehicles in a secured yard and needs both in-transit and garage keepers coverage. For these and similar risks, Colonial General can be a placement option. Have a client with a fenced salvage yard that also offers towing and sells vehicles “AS IS”? This program is built for that type of operation. Contact us today to discuss your next salvage yard risk. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include salvage yards, auto dismantlers, impound lots, and operations with towing or auto sales components. All facilities must be fully fenced and gated. Is coverage available for towing operations?Yes. The program includes in-transit coverage for towing operations, making it suitable for businesses that regularly move vehicles as part of their services. What are the minimum underwriting requirements?Facilities must be fully fenced and gated. Underwriters also review safety practices, claims history, and the overall scope of operations when assessing eligibility. Can this program accommodate “AS IS” vehicle sales?Yes. “AS IS” sales are acceptable within this program, which provides flexibility for many salvage and resale operations. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

I need an MGA that has a market for an Auto Salvage Yard. The business has been around for almost 5 years and there are 4 employees. They do towing of the vehicle if needed. My client is mainly looking for liability on his business but is also interested in workers compensation.

Salvaging Your Investment After The Earthquak...

NO APPOINTMENT NEEDED TO OBTAIN A QUOTE! Salvage Yards and Auto Dismantlers — Including Pull-Your-Own-Parts Operations B&H Risk Services offers a specialized Auto Dismantling insurance program designed for salvage yards, auto dismantlers, and pull-your-own-part operations. Whether your client operates a full-service wrecking yard or a self-service dismantling lot, we provide tailored coverage that addresses the unique risks of the industry. No appointment is required to get started — making it even easier for agents and brokers to quote and bind business fast. Ideal Accounts and Underwriting Guidelines We welcome both traditional dismantlers and self-service salvage yards, with specific underwriting criteria for each: For Non-Self-Service (Traditional) Operations: • Entire lot must be fenced (minimum 4 feet in height) • No more than 3 vehicles stacked • Inspections are required for every risk • Car crushing allowed (some restrictions apply) For Pull-Your-Own-Parts Operations: • Same requirements as above, with some changes: • No more than 2 vehicles stacked • No use of auto jacks, cutting torches, or sawzalls — unbolting only Coverage Highlights Our program includes comprehensive protection specifically built for this high-exposure class: $1,000,000 / $2,000,000 Garage Liability Limits Optional UM/UIM coverage General Liability (GL), Garage, and Property coverages Damage to Rented Premises Garage Medical Payments Broadened Coverage Endorsements Additional Insureds Available Minimum Premiums and Submission Requirements The minimum premium starts at $500, making this program accessible for small and mid-sized operations. To receive a quote, a complete submission should include: Supplemental application Acord 125 and Acords for all desired lines Currently valued loss runs for the past 5 years (quoting may be possible subject to clean loss history) Policy forms govern. This summary does not alter policy terms or conditions. Available States This program is available in the following states: AL, AR, AZ, CA, KY, LA, MS, NC, OK, SC, TN, TX, VA. Why Work with B&H Risk Services? As a Managing General Underwriter and Carrier with access to multiple markets, B&H Risk Services delivers flexible, non-admitted solutions for hard-to-place auto dismantling risks. Our team understands the nuances of salvage operations, from vehicle stacking limits to public access concerns. We streamline the quoting process and deliver competitive options tailored to your clients’ needs. Whether your client runs a small auto salvage yard in Texas or a busy self-service dismantling operation in California, our program provides the tools and protection they need — and the fast, responsive service you expect. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include salvage yards, wrecking yards, and auto dismantlers — both traditional operations and pull-your-own-parts models — that meet our underwriting criteria. Can I quote without full loss runs?Yes, in some cases we can quote subject to loss runs if the account has a guaranteed clear loss history. Full loss runs for the past 5 years are preferred. Are there restrictions on equipment used in pull-your-own-part yards?Yes. For safety reasons, no auto jacks, cutting torches, or sawzalls are allowed. Only unbolting of parts is permitted in these operations. What is the minimum premium for this program?The minimum premium starts at $500, depending on risk characteristics and coverage selections. Which states is this program available in?This program is available in AL, AR, AZ, CA, KY, LA, MS, NC, OK, SC, TN, TX, and VA. Need help placing an account? Connect with a market specialist.