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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.