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Policy Highlights: Auto detailing businesses face exposures that standard commercial policies often do not address. Colonial General Insurance Agency, Inc. offers a specialized Auto Detail Shop Insurance program through its Commercial Garage Department. The program is designed for both fixed-location and mobile detailing operations and helps agents place harder-to-insure garage risks with confidence. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides tailored coverages for businesses that perform vehicle detailing, with options for incidental towing, in-transit exposures, and limited mechanical work. Availability spans multiple Western states and includes both admitted and non-admitted markets where appropriate. Ideal Accounts and Appetite This program works well for a range of detailing operations, including: Standalone auto detailing shops with or without storefronts Mobile detailers who operate on scheduled routes or on-demand Detail shops that also perform light mechanical services Operations with in-transit risk or incidental towing exposure Accounts that commonly fall outside the appetite include high-volume repair garages, full-service body shops, or businesses with major painting and collision operations. Those risks typically require alternative garage or auto repair programs. Coverage Highlights and Advantages Key coverages available through Colonial General’s program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 Aggregate Liability limit Garage Keepers Coverage provided on a primary basis with specified causes of loss Dealers Physical Damage and coverage for False Pretense losses Fire Legal Liability and $5,000 Medical Payments Broadened Coverage Endorsements to address common garage exposures In-Transit Coverage tailored for towing and transport operations Property coverage available for eligible locations and contents Mobile detailing is accepted, offering flexibility for agents placing non-traditional garage operations. Underwriting Notes and Minimum Premiums Every submission is underwritten on its own merits. Colonial General leverages multiple carrier relationships to match risk characteristics to the best available market. Some admitted options are available depending on the state and exposure profile. While minimum premium requirements vary by carrier and state, Colonial General seeks competitive pricing for qualifying accounts and will advise on structure and attachments needed for placement. Territories and Availability This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Agents in these states can access admitted and non-admitted markets to suit client needs. Why Work With Colonial General Insurance Agency, Inc. Colonial General brings targeted garage-market expertise, responsive underwriting, and access to multiple carriers that specialize in garage and auto exposures. Their Commercial Garage Department understands the nuances of detailing operations—both fixed and mobile—and can tailor policy forms and limits accordingly. Example scenarios that are a good fit: A single-bay detailing shop that offers ceramic coatings and occasional customer vehicle storage — you can pursue Garage Liability with Garage Keepers and property coverage. A mobile detailing business operating a fleet of two vans doing scheduled corporate accounts — the program can provide in-transit coverage and liability limits that reflect the fleet exposure. For more details on placement guidelines and available markets, visit Colonial General's company profile or connect with their market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures. Are mobile auto detailers eligible for coverage?Yes. Mobile detailing operations are acceptable and can be underwritten when you provide vehicle schedules, estimated revenue by activity, and details on in-transit handling. Is Garage Keepers coverage included?Yes. Garage Keepers Coverage is available on a primary basis with specified causes of loss; limits and causes of loss are determined by the underwriting review. Which states offer this program?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include options for admitted markets?Some admitted markets are available depending on the risk and the state. Colonial General will help identify whether an admitted or E&S placement is the best path for each submission. Need help placing an account? Connect with a market specialist.

Commercial Auto Coverage from America's Internet Brokers, Inc. America's Internet Brokers, Inc. provides flexible, competitive Commercial Auto solutions to help agents and brokers place a wide range of light commercial vehicle risks. Whether the account is preferred or non-standard, our program gives you access to markets that accommodate small fleets and local operations across many industries. Coverage is backed by AIG and offered on a non-admitted (surplus lines) basis when required, giving you options for accounts that fall outside the admitted marketplace. Ideal Accounts and Appetite This program is designed for small commercial accounts with primarily local driving exposures. It's an excellent fit for artisan contractors, tradespeople, and service-based businesses that rely on light vehicles for daily operations. We typically write accounts with: Light-duty vehicles used in local operations Private passenger-type autos, vans, SUVs, and pickups Horse and utility trailers Small dump trucks (up to 26,000 GVW) Accounts with up to 10 vehicles and up to 20 drivers Example: You might have a small HVAC contractor with six pickups and vans working within a 50-mile radius, or a landscaping business that operates utility trailers and pickup trucks locally — both are strong candidates for this program. Coverage Highlights and Advantages The Commercial Auto program is built to give agents flexibility when matching coverage to a client's needs. Key features include: Competitive pricing across preferred and non-standard tiers Flexible rating tiers to align with varying risk profiles Use of insurance scoring to help tailor rates Combined single limits available up to $1 million These options let you balance protection and affordability while placing accounts that need customized solutions. Underwriting Notes and Minimum Premiums We can handle a broad range of commercial vehicle risks, but there are underwriting parameters to keep in mind: Maximum of 10 vehicles per account Maximum of 20 drivers Vehicles must meet acceptable size and use guidelines (no long-haul trucking or specialized heavy equipment) Minimum premiums vary by state and risk characteristics. For the fastest response and most accurate quote, include complete driver and vehicle details with your submission. Territories and Availability This Commercial Auto program is available in most U.S. states, including CA, TX, FL, NY, IL, and GA. We actively write business across the country subject to surplus lines eligibility and any state-specific restrictions. Contact us to confirm availability and filing requirements in the state where the risk is domiciled. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. pairs underwriting flexibility with carrier access—most notably AIG—to help you place hard-to-place or bespoke commercial auto risks. Our team focuses on responsive service, practical underwriting, and a streamlined submission process so you can move accounts from submission to bind quickly. If you work with small fleets, trades, or service contractors that need tailored coverage, this program gives you a reliable surplus-lines option. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Small, local operations such as contractor crews, landscapers, and other service businesses with up to 10 vehicles and 20 drivers are ideal. Is this program available in my state?The program is available in most states, including CA, TX, FL, and NY. Because coverage is placed on a non-admitted basis when necessary, confirm surplus lines eligibility and filing requirements for the specific state. What vehicle types are eligible?Eligible vehicles include private passenger autos, SUVs, pickups, vans, utility and horse trailers, and small dump trucks up to 26,000 GVW. Do you consider new ventures?Yes—new ventures can be considered depending on driving history, risk profile, and the completeness of the submission. What limits are available under this program?Combined single limits up to $1 million are available, subject to underwriting approval. Need help placing an account? Connect with a market specialist.