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Contractors Equipment Coverage from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. provides a focused Contractors Equipment program designed to help independent agents and brokers place inland marine coverage for contractors’ mobile equipment and tools. The program is built to support a wide range of contractor clients — from small residential trades to large commercial subcontractors — with flexible options for scheduled and unscheduled equipment, leased units, and higher-value mobile gear. Ideal Accounts and Appetite This program targets contractors who rely on owned or leased equipment as a core part of their operations. Typical classes we write include: Custom Home Builders Carpenters and Framers Concrete and Masonry Contractors Drywall and Insulation Installers Landscaping and Lawn Care Services Heating and Air Conditioning Contractors Swimming Pool Contractors Tile, Carpet, and Flooring Installers Metal Erection and Welding Wrecking and Demolition We also offer a dedicated Mining Equipment appetite, written through markets that will consider high-value mobile gear such as loaders, excavators, and drilling rigs. Coverage Highlights and Advantages The program provides inland marine protection tailored to contractor equipment exposures. Key advantages include: Coverage for scheduled and unscheduled equipment and tools Options to include leased or rented equipment where appropriate Protection for losses from theft, fire, vandalism and many named perils Capacity for both single-piece high-value equipment and multi-unit fleets Access to specialty markets for complex or high-limit mining risks Example scenarios: You might have a regional concrete contractor with several backhoes and a compact fleet that needs a single policy for mobile equipment exposure. Or a landscaper with trailers, mowers and a few high-value attachments requiring scheduled limits and theft protection. Both are within the program’s typical appetite, subject to underwriting review. Underwriting Notes and Minimum Premiums Van Wagoner Companies operates as a Managing General Agency with established carrier relationships, including Lloyds and Markel International, to deliver flexible underwriting solutions. Appetite and terms depend on class of business, equipment values, security measures, and loss history. Minimum premiums may vary by class and state; our underwriting team will work with you to find the best placement for each submission. Territories and Availability Contractors Equipment and related inland marine solutions are available through Van Wagoner Companies in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Mining Equipment coverage is available nationwide in all 50 states. Why Work With Van Wagoner Companies, Inc. As a specialized MGA, Van Wagoner Companies brings decades of experience placing niche commercial coverages for independent agents. Our team focuses on practical, market-ready solutions and responsive underwriting support. We pair local agent knowledge with access to stable specialty markets to help you secure timely, competitive terms for contractors’ equipment risks. If you have a contractor client with mobile equipment exposure — from a one-truck operator to a multi-equipment fleet or mining operation — our underwriting specialists can review submissions and identify the best market fit. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Contractors Equipment program?This program is ideal for contractors with mobile equipment needs, including builders, landscapers, HVAC techs, framers, and miners. Is coverage available for rented or leased equipment?Yes. The program can include options for leased or rented equipment subject to underwriting review and documentation. Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies by state as listed above. However, Mining Equipment coverage is offered nationwide in all 50 states. Which carriers back this program?We work with Lloyds and Markel International to provide flexible options and market stability. Do you work with new ventures?Yes. New ventures are considered on a case-by-case basis depending on the class of business, equipment values, and the submission details.

...-premises. Policies can be customized to include protections for theft, f...

Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $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 for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics 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) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights: Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile. Ideal Accounts and Appetite This program is designed for independent agents placing accounts such as: Motorcycle dealerships (new and used) Repair, maintenance, and service shops Custom bike builders and specialty fabrication shops Shops that sell or install parts, accessories, apparel, or provide towing Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy. Coverage Highlights and Advantages Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include: Garage Liability: Limits up to $1,000,000 per occurrence Aggregate Liability: Up to $3,000,000 Medical Payments: $5,000 Garage Keepers: Available on a primary basis with specified causes of loss Dealers Physical Damage for inventory and customer vehicles False Pretense coverage Fire Legal Liability In-Transit Coverage: For towing and transport operations Broadened Coverage Endorsements to address common industry exposures Property Coverage: Available for buildings, contents, and business personal property Extension of Liability: Can include related operations such as parts, clothing, or accessory sales These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control. Underwriting Notes Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled. Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement. Territories and Availability This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from: Access to multiple admitted and non-admitted markets Underwriting expertise focused on motorcycle dealerships and repair operations Support through quoting, submission, and binding to secure competitive terms Flexible coverage structures to consolidate sales, service, and retail exposures If you need help placing an account or want guidance on submission details, connect with a market specialist. What types of accounts are a good fit for this program? This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales. Can the program cover both sales and repair operations under one policy? Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package. Is Garage Keepers coverage offered on a primary basis? Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms. Which states is this program available in? The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do you offer admitted and non-admitted options? Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile. Need help placing an account? Connect with a market specialist.

Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

Policy Highlights: Brake and muffler shops face a unique set of risks due to the nature of their operations, including customer vehicle damage, employee injury, and liability exposures. Colonial General Insurance Agency, Inc. offers a specialized Brake and Muffler Shop Insurance program designed to address these challenges head-on—helping you place business confidently and efficiently. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to flexible commercial garage coverage tailored to the specific needs of brake and muffler repair businesses. Whether your client operates a stand-alone brake shop or a full-service muffler facility, this program is built to help you secure the right protection for their unique exposures. With access to both admitted and non-admitted markets, Colonial General can support a wide range of placements across the Western U.S. Ideal Accounts and Appetite This program is ideal for: Independent brake and muffler repair shops Small to mid-sized garage operations offering exhaust system services Shops providing towing services or vehicle pickup and delivery Accounts with established safety procedures, clean loss history, and well-maintained facilities are especially attractive. This program is not intended for heavy truck repair shops or full auto body collision centers. Coverage Highlights and Advantages The Brake and Muffler Shop Insurance program includes: $3,000,000 Liability Aggregate $5,000 Medical Payments Broadened Coverage Endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garage Keepers Coverage on a Primary basis with specified causes of loss Garage Liability Limits up to $1,000,000 per accident In-Transit Coverage for Towing Operations Property Coverage Available These options allow you to customize policies to suit the risk profile of each client, whether they handle customer vehicles overnight, operate in high-traffic areas, or offer roadside services. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to find appropriate coverage solutions. While minimum premium requirements vary by market and risk profile, the underwriting team seeks partners who present clean operations, sound maintenance practices, and compliance with industry safety standards. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may be serviced through surplus lines carriers depending on the risk. Why Work With Colonial General? Colonial General brings decades of experience in placing niche commercial auto-related risks. Their team understands the operational exposures faced by brake and muffler shops and provides responsive underwriting support to help agents close business faster. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your clients’ needs. Whether you're quoting a single-location brake shop or a regional muffler service with multiple vehicles, Colonial General can help you find the right fit. You can explore the full program details and start the submission process by visiting their program page. Frequently Asked Questions What types of accounts are a good fit for this program?Independent brake and muffler repair shops, especially those with clean operations and minimal claims history, are ideal candidates for this program. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss, offering protection for customer vehicles in the shop's care. Are towing operations covered?Yes, In-Transit Coverage for Towing Operations is included, making this program a strong fit for shops that offer pickup or roadside assistance. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and risk characteristics. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Auto Repair Shop Insurance program designed for independent agents and brokers placing automotive service and repair accounts. With access to both admitted and non-admitted markets, Colonial General combines underwriting flexibility with market access and hands-on support to help you place a wide range of shop operations. Overview of the Program From Colonial General When you place business with Colonial General, you’re working with underwriters who specialize in the automotive repair niche. The program is built for general auto service shops, collision and body shops, and specialty repair centers. Coverage and limits are structured to protect customer vehicles, shop property, and on-site operations for small independent garages up through mid-sized repair facilities. Ideal Accounts and Appetite This program is a strong fit for agents with clients such as: General auto repair and maintenance shops Brake and alignment specialists Muffler and exhaust repair shops Transmission and engine rebuilders Shops that install vehicle wraps (requires proper installer training) Facilities performing alternative fuel service and repair Colonial General will consider accounts with lift kits or suspension modifications provided the lift does not exceed 6 inches. Light-duty towing operations can be placed when supported by appropriate documentation and risk controls. Example placements you might submit: a single-location general repair shop with limited customer storage, or a mid-sized muffler/exhaust specialist with a small towing operation and in-transit exposures. Coverage Highlights and Advantages Key coverages available through this program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 General Liability aggregate $5,000 Medical Payments Garage Keepers Coverage provided on a primary basis for specified causes of loss Dealers Physical Damage and Fire Legal Liability False Pretense Coverage Broadened Coverage endorsements In-Transit Coverage for towing operations Property coverage for buildings, tools, and equipment These features help your clients manage exposures related to customer vehicles in custody, third-party injury and property damage, equipment losses, and exposures created while towing or transporting customer vehicles. Underwriting Notes and Minimum Premiums Colonial General emphasizes quick, case-by-case underwriting and competitive pricing. While specific minimum premium figures are not published here, eligibility and final pricing depend on the operation’s class, loss history, limits requested, and any specialty exposures. Typical submission requirements include a completed application, current loss runs (if applicable), and documentation for specialty operations such as towing or alternative fuel work. Territories and Availability The program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted or surplus lines availability varies by state and account specifics; Colonial General can advise on the correct market placement. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents with access to multiple competitive markets and experienced underwriters focused on auto repair risks. Their strengths include niche underwriting expertise, flexible placement options (admitted and non-admitted), and responsive service to help you move accounts quickly. Whether you’re placing a simple single-location shop or a more complex account involving towing or specialty services, Colonial General can partner with you to find the appropriate coverage solution. For more information, visit the Colonial General company profile or go directly to the Auto Repair Shop Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?General auto repair shops, brake and alignment services, muffler shops, and light-duty towing operations are ideal. Specialty shops (for example, alternative fuel or vehicle wrap installers) may qualify when you provide supporting documentation and evidence of proper training or controls. Can shops with lift kits or modified suspensions be covered?Yes. Shops that install lift kits or perform suspension modifications can be considered provided the lift does not exceed 6 inches and the installation practices meet underwriting guidelines. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted or surplus lines markets depends on the state and the account’s specifics. Does the program include Garage Keepers Coverage?Yes. Garage Keepers Coverage is available on a primary basis for specified causes of loss—confirm coverage form details during submission. What should I submit to get a quote?Provide a completed application, loss runs (if any), and supporting documents for specialty operations such as towing, alternative fuel services, or vehicle wraps. Colonial General can advise on any additional requirements during intake. Need help placing an account? Connect with a market specialist.