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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.

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J.M. Wilson offers a focused Business Auto Insurance program that helps agents and brokers place coverage for a broad range of commercial auto risks. With access to both admitted and non-admitted markets, we place liability, physical damage, on-hook, and cargo coverages across many vehicle types and business operations. Our appetite supports accounts with up to 50 power units. Ideal Accounts and Appetite This program is a strong fit for small- to mid-sized commercial auto risks that do not engage in for-hire transportation. We write many common and specialty classes — examples include: Contractors (general contractors, roofing, painting, HVAC, electrical, carpentry) Delivery and local distribution (furniture, food delivery, fuel oil) Specialty and mobile units (ice cream vendors, concession trailers, blood mobiles) Service businesses (landscapers, janitorial firms, exterminators, handyman services) Retail and trade accounts (florists, auto parts, furniture and hardware stores) Nonprofits and niche operations (book mobiles, animal shelters, archaeological teams) Other specialty risks such as wreckers, logging support, and mobile auto repair Note: this program does not support for-hire trucking or long-haul transportation. Coverage Highlights and Advantages J.M. Wilson’s Business Auto program offers flexible solutions to address vehicle-related exposures. Standard and available coverages include: Auto Liability Physical Damage (collision and comprehensive) On-Hook Coverage for tow and wrecker exposures Cargo Coverage for eligible delivery and transport operations For select classes — for example food vendors, book mobiles, and caterers — we require General Liability to be in force in addition to commercial auto. Example scenarios: You might have a client that runs a small landscaping business with five trucks operating across two counties, or a nonprofit that operates a mobile blood donation unit. These are the types of accounts we regularly place. Underwriting Notes We can accommodate accounts with up to 50 power units. Underwriting guidelines vary by class; certain specialty vehicles may carry operational or equipment restrictions (for example, boom or crane trucks limited to a 60-foot reach). Our underwriters are experienced with a wide range of commercial auto exposures and provide practical, market-driven guidance on submissions. Territories and Availability J.M. Wilson currently offers this Business Auto program in the following states: GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI. We represent a variety of carriers and can place business on either an admitted or non-admitted basis depending on the risk profile and state regulation. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep commercial auto expertise with broad carrier access. We partner with independent agents and brokers to find the right market for each account, offering niche-class experience, responsive underwriting, and the ability to place admitted or surplus lines when appropriate. Frequently Asked Questions What types of accounts are a good fit for this Business Auto program?We’re a strong market for small- to mid-sized businesses with company-owned vehicles, including contractors, delivery services, landscapers, and specialty mobile units that are not engaged in for-hire transportation. Are there restrictions on vehicle types or usage?Yes. This program is designed for non-for-hire risks. We can write trailers, boom trucks (up to a 60-foot reach in many cases), and mobile service units, but we do not write long-haul or for-hire trucking operations. Is this program available on an admitted or non-admitted basis?We represent multiple carriers and can offer both admitted and non-admitted solutions depending on the account, state requirements, and carrier appetite. How many vehicles can be included in one account?This program can accommodate accounts with up to 50 power units. Accounts larger than this may require alternative placement strategies. In which states is this program available?The program is available in GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI. Need help placing an account? Connect with a market specialist.