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...have a client who owns a 10-unit apartment building with a retail store on the ground fl...f the mixed-use category. Are older buildings eligible for coverage?Yes, there is no age limit on buildings, provided necessary system upgra...

Auto Repair Shops/Garages Insurance Coverages: Garage Keepers Legal Liability Garage Liability Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a specialized Auto Repair Shops/Garages Insurance program designed to help agents place coverage for clients operating in the automotive service industry. As a Managing General Agency (MGA) with access to a range of non-admitted markets, Abram Interstate provides flexible solutions to address the unique liability exposures faced by garage and auto repair operations. Ideal Accounts and Appetite This program is an excellent fit for a wide range of businesses within the automotive repair and service sector, including: Independent auto repair shops Brake and muffler shops Transmission specialists Auto body and paint shops Detailing and customization shops Whether your client is a small family-owned garage or a mid-size repair business with several bays, you can find a home for their account through this program. The underwriting team understands the operations and risks associated with these classes, making it easier for you to place coverage efficiently. Coverage Highlights and Advantages The program includes two essential coverages for garage operations: Garage Liability: Protects against claims arising from operations, premises, and auto-related activities. Garage Keepers Legal Liability: Provides protection for customers’ vehicles left in the care, custody, or control of the business. These coverages are tailored to address common exposures such as property damage during test drives, accidental damage to customer vehicles while on the premises, and slip-and-fall incidents in the shop area. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the risk profile, location, and size of the operation. Abram Interstate works with various carriers to help tailor quotes that match your client’s needs. Submissions with complete applications, loss runs, and business descriptions will receive faster consideration. Territories and Availability This program is available to agents and brokers with clients in California (CA), Arizona (AZ), and Nevada (NV). All offerings are placed on a non-admitted basis, allowing more flexibility in underwriting and pricing for unique risks. Why Work With Abram Interstate Insurance Services, Inc.? With a strong focus on specialty commercial lines and deep experience in niche markets, Abram Interstate is a valuable partner for agents looking to place hard-to-place garage and auto service risks. Their team offers responsive service, competitive market access, and a streamlined submission process to help you secure coverage quickly and confidently. Whether you have a client opening a new auto repair shop or an established garage with a growing customer base, Abram Interstate can help you deliver the right coverage package. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent auto repair shops, brake and tire centers, transmission specialists, and auto body shops located in CA, AZ, or NV. Is this program available on an admitted basis?No, this program is available on a non-admitted basis only, allowing more flexibility in underwriting and pricing. What are the key coverages included?The program includes Garage Liability and Garage Keepers Legal Liability to protect against both operational and customer vehicle exposures. Do you require loss runs or other documentation for a quote?Yes, complete submissions including loss runs, a detailed business description, and any prior coverage information help speed up the quoting process. Can I submit risks located outside of CA, AZ, or NV?No, currently this program is only available for risks located in California, Arizona, and Nevada. Need help placing an account? Connect with a market specialist.

Distinguished Programs offers a specialized Community Association Umbrella insurance solution designed to meet the unique liability needs of condominium associations, HOAs, and similar community-based organizations. With flexible excess limits and a streamlined online quoting process, this program is ideal for agents and brokers seeking efficient placement and strong carrier backing for their association clients. Ideal Accounts and Target Classes This program is tailored for not-for-profit community associations across a wide range of structures, including: Condominium Associations (COAs) Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Cooperatives (CO-OPs) Property Owners Associations (POAs) Commercial Condominiums Mixed-Use Condominiums If you have clients managing residential or mixed-use properties with board members, common areas, and shared liability exposures, this umbrella program is a strong fit. It’s particularly well-suited for associations seeking to protect their board and community assets from large liability claims. Coverage Highlights and Advantages Distinguished Programs delivers value through comprehensive coverage, competitive pricing, and A-rated carriers. Key features include: Limits available from $1 million up to $70 million Admitted coverage in most states No shared limits—each insured has dedicated coverage Directors and Officers Liability included for eligible not-for-profit associations Automatic renewals available for most risks One-step online quoting and policy issuance via the Broker Portal Superior claims service and ongoing support Underwriting and Minimum Premium The program features low minimum premiums and competitive pricing structures, making it accessible for associations of various sizes. While underwriting is streamlined through the online portal, submissions are evaluated based on risk characteristics such as number of units, location, loss history, and governance. Availability and Admitted Status This umbrella liability program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and the District of Columbia. Coverage is written on an admitted basis in most available states through A.M. Best A rated carriers. Why Work With Distinguished Programs? As a leading managing general agency (MGA), Distinguished Programs brings decades of experience in community association insurance. Their Express Community Associations Umbrella is backed by trusted carriers and supported by a highly efficient digital platform. You can quote, bind, and issue policies with ease—all while offering your clients robust protection for their community operations. Whether you're placing a 20-unit suburban HOA or a high-rise mixed-use condo association, this program offers scalable limits and tailored solutions to meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for not-for-profit community associations, including HOAs, COAs, PUDs, POAs, cooperatives, and mixed-use condominiums. Are the umbrella limits shared among insureds?No, each insured receives their own dedicated umbrella limit—there are no shared limits in this program. Is coverage admitted?Yes, coverage is admitted in most available states, backed by A.M. Best A rated carriers. How can I submit a risk?You can easily submit and quote risks online through Distinguished Programs’ Broker Portal. Are renewals handled automatically?Yes, most eligible risks are set up for an automatic renewal process, streamlining your workflow. Need help placing an account? Connect with a market specialist.

...ffers a competitive and flexible Apartment Building Insurance program designed...ike pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older...

Apartment Insurance Program from M.J. Hall & ...e maintenance. Which states is this apartment insurance program available in?C...

...ental Marine Insurance Services: Apartments Buildings Insurance Continental Ri...p to $100K. Mention interest in the Apartment Building Owners endorsement or the enhance...

...ckage and monoline products. Our Apartment Building Owners Insurance program i...overage options are included in the apartment package?Common inclusions are pr...