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Policy Highlights: Colonial General Insurance Agency, Inc. offers a Salvage Yard Insurance program tailored to the unique risks of salvage yards, auto dismantlers, and impound facilities. Through our Commercial Garage department, we provide agents and brokers access to a broad set of coverages crafted for this niche industry. Whether your client operates a small yard or a larger facility with towing and vehicle sales operations, our underwriting team will work with you to secure appropriate protection. Ideal Accounts and Appetite Our program is a strong fit for: Auto salvage yards and recyclers Vehicle impound lots (fenced and gated) Auto dismantlers with parts resale operations Operators offering towing services or in-transit vehicle movement Facilities selling vehicles “AS IS” All accounts must meet basic security requirements, including fully fenced and gated yards. We accept “AS IS” vehicle sales and towing operations, making this a flexible solution for complex garage risks. Accounts with poor site security, extensive on-site retail operations unrelated to vehicle parts, or significant environmental contamination exposures are generally not a fit without mitigation. Coverage Highlights and Advantages This program delivers Commercial Garage coverage options customized for salvage operations, including: Garage Liability limits up to $1,000,000 per accident $3,000,000 aggregate liability limit $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 endorsements available Property coverage options These coverages help your clients manage exposures tied to customer vehicles, on-site property damage, theft, and liability from sales or towing operations. Endorsement flexibility and a garage-focused underwriting approach make the program useful for mixed-operation facilities. Underwriting Notes and Minimum Premiums Underwriting is done on a risk-by-risk basis. We look for well-managed operations with adequate security, documented safety practices, and acceptable claims histories. Fully fenced and gated facilities are required for eligibility. Minimum premiums vary by state and risk characteristics; our underwriters will provide state-specific guidance when you submit an inquiry. Territories and Availability Colonial General’s Salvage Yard 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) Coverage is placed through a mix of admitted and non-admitted markets depending on carrier appetite and state regulations. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings deep expertise in garage and auto-related risks. Our team understands salvage yard exposures and offers hands-on underwriting, fast responses, and access to multiple carrier relationships. We help agents place tough-to-insure accounts with practical coverage solutions and the flexibility many salvage operations need. Example scenarios that fit this program: you have a client who runs a fenced salvage yard with onsite dismantling and occasional “AS IS” sales; or a tow operator who stores impounded vehicles in a secured yard and needs both in-transit and garage keepers coverage. For these and similar risks, Colonial General can be a placement option. Have a client with a fenced salvage yard that also offers towing and sells vehicles “AS IS”? This program is built for that type of operation. Contact us today to discuss your next salvage yard risk. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include salvage yards, auto dismantlers, impound lots, and operations with towing or auto sales components. All facilities must be fully fenced and gated. Is coverage available for towing operations?Yes. The program includes in-transit coverage for towing operations, making it suitable for businesses that regularly move vehicles as part of their services. What are the minimum underwriting requirements?Facilities must be fully fenced and gated. Underwriters also review safety practices, claims history, and the overall scope of operations when assessing eligibility. Can this program accommodate “AS IS” vehicle sales?Yes. “AS IS” sales are acceptable within this program, which provides flexibility for many salvage and resale operations. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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Property & Casualty Insurance Coverage for Auto Dismantlers Endorsed by the Automotive Recyclers Association Amwins Program Underwriters, part of the Amwins Underwriting division, offers a dedicated Auto Dismantlers program designed for risks primarily engaged in dismantling vehicles and selling used parts. This program pairs specialized underwriting with broad coverage options backed by an A.M. Best rated "A" carrier and more than 30 years serving the automotive recycling industry. Use this program to place accounts that need industry-specific forms, flexible inland marine and conversion coverages, and tailored loss control considerations. Overview of the Program From Amwins This program is built for agents who need a single-market solution that understands the unique exposures of dismantlers, recyclers, salvage dealers, and self-service yards. Amwins underwriters evaluate operations with a focus on core dismantling activities and will consider accounts with ancillary businesses when the primary exposure remains auto dismantling. The program emphasizes risk selection, experienced claims handling, and flexible packages that combine property, liability, inland marine and specialty protections. Ideal Accounts and Appetite Target classes: Automotive dismantlers Self-service yards Auto recyclers Scrap yards Scrap dealers Salvage yards Typical accounts have a higher percentage of dismantling and used-parts sales versus unrelated operations. The program generally prefers operations with organized parts inventory, secured storage, basic environmental controls, and documented salvage handling procedures. High-volume salvage-only operations, contractors, or businesses where dismantling is a minor sideline may be outside the primary appetite — submit for review if operations are mixed. Coverage Highlights and Advantages Package capability including Property and General Liability tailored to dismantlers Specialty inland marine for parts inventory and transit exposures Crime and conversion coverage for inventory risks unique to recycled parts Employment Practices Liability, Cyber, Equipment Breakdown and Umbrella options Workers' compensation available — click here to learn more! Underwriting developed specifically for automotive recycling exposures and salvage operations Underwriting Notes and Minimum Premiums Underwriting emphasizes the percentage of core dismantling activity, site security, inventory controls, and environmental practices. Key submission items include a completed application, loss runs (typically 3–5 years), site photos showing storage and security, and details on inventory controls and salvage handling. Minimum premium: Varies by state and coverage — contact Amwins underwriting for state-specific minimums and availability. Territories and Availability This program is available in the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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, DC, WV, WI, WY. Availability and specific terms may vary by state; please confirm with underwriting for admitted vs. non-admitted options and any state-specific forms. Why Work With Amwins on Auto Dismantlers Business Niche underwriting expertise with more than three decades serving automotive recyclers Access to specialized coverage forms and inland marine options for parts and salvage Single-source program to place multiple lines (property, liability, inland marine, specialty lines) Responsive underwriting to help you place accounts that other markets may decline due to unfamiliarity with dismantling operations Example fits You have a long-established auto recycler with organized parts racks, gated storage, and documented inventory controls who needs a combined property/inland marine package plus conversion protection. You represent a self-service yard expanding into online parts sales that needs liability, cyber, and inland marine coverages tailored to higher customer interaction and parts-in-transit exposure. Submission Tips Include detailed loss runs and describe the percentage of dismantling vs. ancillary operations. Provide photos of the yard, parts storage, fencing/gates, and any security systems. Document inventory procedures, customer access controls, and environmental measures for fluid handling. Contact Amwins underwriting early for borderline or mixed-operations accounts to determine fit and preferred terms. Frequently Asked Questions What types of accounts are a good fit for the Amwins Auto Dismantlers program?Accounts primarily engaged in dismantling vehicles and selling used parts — including self-service yards, recyclers, salvage and scrap dealers — are ideal. The program prefers operations where dismantling is the core activity and inventory controls and site security are in place. What documents and information should I submit with a new account?Submit a completed application, 3–5 years of loss runs, site photos (storage, security, fencing), description of inventory and salvage handling procedures, and any environmental controls for fluid management. Is workers' compensation available through this program?Yes. Workers' compensation is offered as part of the program — availability and terms can vary by state. Refer submissions to Amwins underwriting to confirm state-specific options and requirements. Are there common exclusions or operations that this program will not accept?High-hazard operations unrelated to dismantling (e.g., heavy manufacturing, major contractor operations) or accounts where dismantling is only a minor sideline are less likely to fit. Environmental contamination from prior operations may also impact eligibility; submit for review with full disclosure. Need help placing an account? Connect with a market specialist.

Overview — Vacant Building Insurance from Allstar Financial Group Allstar Underwriters offers a Vacant Building Insurance program through Allstar Financial Group designed for agents and brokers placing vacant or unoccupied properties. Vacant buildings carry elevated property and liability exposures — vandalism, fire, intruders and hidden hazards — and this program combines property, casualty and umbrella solutions to close those protection gaps quickly. Ideal Accounts and Appetite This program targets a broad set of vacant property exposures, including: Contractors (short-term vacancy during construction or between tenants) Habitational properties (vacant apartments, multifamily awaiting renovation) Office buildings and retail locations Wholesale, institutional, and other commercial vacancies Typical fits are buildings with clear vacancy plans, reasonable physical protection (fencing, boarded openings, periodic inspections) and values within the program limits. Accounts with ongoing renovation, active work by insured contractors, or those requiring project-specific wording can often be accommodated. Higher-hazard occupancies, long-term derelict properties without risk management, or properties with a history of frequent claims may fall outside appetite. Property Coverage Highlights TIV up to $5 million per location Monoline or packaged solutions No-coininsurance options available (varies by risk) Optional coverage enhancements Equipment breakdown available Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Casualty Coverage Highlights Monoline or package casualty available Minimum premium starting at $500 (subject to underwriting) Primary limits up to $5M / $5M Project-specific policies available Uninsured subcontractor coverage where appropriate Optional endorsements and enhancements such as: Blanket additional insured Waiver of subrogation Primary and non-contributory wording Per project / per location aggregate Hired & non-owned autos (certain classes) Miscellaneous professional liability (certain classes) Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Umbrella Coverage Highlights Limits available up to $5 million Minimum premium starting at $750 (subject to underwriting) Available as supported or unsupported umbrella Underwriting Notes and Minimums Underlying requirement examples: AM Best A-VI or better for auto or general liability AM Best B++ or better for employers liability Typical GL limits: $1M / $2M / $2M Minimum premiums and terms vary by state, risk class and coverages requested. Property TIV, protective measures, occupancy history and active risk management are key factors in pricing and eligibility. Carriers: multiple markets participate; program is administered as an MGA / E&S broker offering flexible placement options. Territories and Admission Status Availability: Most Available States. Currently available in: AL, GA, LA, MS, NC, SC, TN, VA. The program is offered through excess & surplus lines placement when required; admitted availability may vary by state and carrier. Why Work With Allstar Financial Group on Vacant Building Business Allstar’s vacant building program is designed for speed and flexibility. Underwriters are experienced with vacancy exposures and can tailor property, casualty and umbrella combinations — including project-specific wording — to suit transitional or between-tenant scenarios. Multiple carrier relationships increase placement options for harder-to-place accounts and the program’s endorsement choices (additional insureds, waiver of subrogation, per-project aggregates) help manage contractual requirements for contractors and owners. Examples of Good Fits A regional property manager with a 3-story vacant retail building undergoing planned renovation and with boarded openings and monthly inspections — needs property and GL with builder’s risk and equipment breakdown options. A contractor controlling a vacant storefront between tenants that requires project-specific primary/non-contributory GL and hired/non-owned auto coverage for subcontractors on site. Submission Guidance Submit a completed application, recent photos of the property, TIV and occupancy status, loss history and details of any risk mitigation (security, boarding, inspections). Disclose active construction, contractor exposure and projected timelines — project-specific wording may be needed. Underwriters will evaluate vacancy period, protection measures and repair/rehab plans when placing coverage and calculating rates. Frequently Asked Questions What types of vacant properties are a good fit for this program?Buildings with a clear vacancy plan, reasonable physical protection (boarded openings, fencing, inspections), TIV up to $5M per location, and occupancies such as contractors, habitational, office, retail, wholesale and institutional uses are generally a good fit. What are the minimum premiums and available limits?Minimum premiums vary by coverage: casualty typically starts around $500 and umbrella around $750, subject to underwriting. Property, casualty and umbrella limits are available up to $5M depending on the line and risk. What underwriting information does Allstar require on submissions?Provide a completed application, recent property photos, TIV, vacancy duration, loss history, and any risk mitigation details (security, inspections, repairs). Disclose active construction or contractor activity so project wording can be considered. Which states and placement options are available?The program is available in most states and is currently offered in AL, GA, LA, MS, NC, SC, TN and VA. Placement may be through admitted or E&S markets depending on state and carrier requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a dedicated Driving Range Insurance program to help independent agents place coverage for public and private golf operations — including outdoor and indoor driving ranges, miniature golf, country clubs, and pro shop operations. This program is delivered through Colonial General as a managing general agency and excess & surplus lines broker with access to multiple markets (carriers vary). Overview of the Program from Colonial General This Driving Range Insurance program combines property, liability, crime and inland marine solutions on a monoline or packaged basis. It is designed for driving-range-focused operations that need tailored limits, ancillary coverages (golf carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umbrella capacity. Admitted options are available in some markets; non-admitted E&S placement is supported where appropriate. Ideal Accounts and Appetite Public and private driving ranges (indoor and outdoor) Country clubs and golf courses with range facilities Miniature golf courses and entertainment complexes with limited lodging Pro shops, food/beverage concessions, and accessory retail operations on-site Accounts that fit best typically have routine range operations, managed crowd control, designated hitting bays, documented maintenance programs for tees and greens, and standard cart fleets. Complex operations with large-scale events, extensive on-site lodging, or high-hazard attractions may require specialized underwriting review. Coverage Highlights and Advantages The program includes robust liability and property features to address the common exposures of range operations: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate; additional interests included; hired & non-owned auto included; $5,000 medical payments included; liquor liability available; excess/umbrella capacity up to $25,000,000; often no deductible required for liability. Property Coverages — Building, contents, equipment breakdown, replacement cost or ACV options, damage to greens and tee boxes, sprinklers, computer equipment, valuable papers, business income and extra expense, food spoilage, contractor’s equipment, and inland marine for golf carts. Crime Coverage — Inside premises (theft of money and securities; robbery/safe burglary of other property) and outside the premises. Pro Shop and Operations — Bailee’s coverage for pro shop, accounts receivable, and other retail-related exposures can be included. Underwriting Notes Submission requirements typically include an ACORD application, current loss runs, schedule of operations (hours, seasonal usage), details on food/beverage and alcohol service if applicable, and photos of the range, bays, and cart storage. Underwriters evaluate range layout, netting/fencing, lighting, cart maintenance programs, employee training, and security measures for pro shop/crime exposures. Accounts with frequent large tournaments, amplified alcohol sales, significant spectator seating, or on-site lodging will require additional review and may be referred to specialty markets. Territories and Availability This program is available in the western U.S.: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted coverage can be placed in some markets where carriers offer admitted paper; otherwise E&S placement is available through Colonial General’s carrier relationships (carriers vary by state and account characteristics). Why Work with Colonial General on Driving Range Accounts Specialized appetite for golf-related risks and ancillary operations. Access to both admitted and E&S markets depending on state and account profile. Ability to package property, liability, crime, and inland marine to reduce gaps in coverage for ranges and pro shops. Experienced underwriting and flexible excess/umbrella capacity for clients who need higher limits. Example scenarios: You might have a municipal driving range with rental bays, a small pro shop and minimal food service — this program can provide a cost-efficient package with liability and inland marine for carts. Or you may place a private country club that needs liquor liability and umbrella limits for large member events — excess capacity up to $25M is available. Submission Tips Include loss runs for the last 3–5 years, description of range operations (hours, seasonality), and details on alcohol service if present. Provide photos of the facility layout, hitting bays, cart storage/maintenance area, and any risk-control features (netting, fencing, signage). If available, include routine maintenance schedules for turf, irrigation/sprinklers, and golf cart inspection records. Frequently Asked Questions What types of driving range accounts are a good fit for this program?Public and private driving ranges, mini-golf facilities, and country clubs with typical range operations fit well. The program works best for locations without extensive lodging, minimal high-hazard attractions, and with documented maintenance and safety practices. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence and aggregate, and excess/umbrella limits can be placed up to $25,000,000 depending on the account and carrier availability. Are admitted policies available?Admitted options are available in some markets. Colonial General also places E&S coverage where admitted paper is not available or when the account requires more flexible terms. What information should I include with a submission?Provide a completed application, recent loss runs, description of operations (including alcohol service if any), photos of the range and carts, and any risk-control documentation such as maintenance schedules and employee training programs. Can you place liquor liability and pro shop crime coverage?Yes. Liquor liability can be included where needed, and crime coverage for inside/outside premises and safe burglary is available to protect pro shop cash and inventory. Need help placing an account? Connect with a market specialist.

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Apartment Insurance Program from J.L. von Arx & Associates J.L. von Arx & Associates offers a specialized Apartment Insurance program designed for residential buildings up to five stories with five or more habitational units. This program is ideal for agents and brokers seeking dependable coverage options for apartment property owners in select western states. If your client has fewer than five units, refer to our Dwelling Program for a more appropriate fit. Ideal Accounts and Appetite This program targets standard apartment buildings that meet the following criteria: Buildings no more than five stories tall A minimum of five habitational units At least 60% occupancy No more than 50% subsidized housing or student renters Mixed-use risks with mercantile exposures may also be eligible, provided tenants carry General Liability insurance and list the property owner as an additional insured. This program is an excellent fit for agents with clients who own mid-size apartment complexes or mixed-use residential buildings with retail tenants. Coverage Highlights and Advantages J.L. von Arx & Associates enhances its apartment coverage options with key underwriting features, including: Smoke detectors required in all units Optional Assault and Battery coverage available Pool liability considered, subject to safety features: Fencing with self-closing, self-locking gates Lifesaving ring and shepherd’s hook Drain suction safety devices as required by federal standards These requirements are designed to help reduce liability exposure and improve risk profiles for eligible accounts. Underwriting Notes and Minimum Premium Minimum premium for this program starts at $500. Accounts must meet underwriting guidelines, including safety and occupancy standards. Certain risks are prohibited, such as buildings wired with aluminum wiring. Underwriters will also evaluate tenant mix, property condition, and supplemental amenities such as pools or retail operations. Territories and Availability This Apartment Insurance program is available in the following states: Arizona (AZ) California (CA) Nevada (NV) Admitted markets are available in some of these states, depending on the specific risk. J.L. von Arx & Associates partners with multiple carriers to offer flexible options for both admitted and non-admitted placements. Why Work With J.L. von Arx & Associates As a seasoned Managing General Agency and Excess & Surplus Lines Broker, J.L. von Arx & Associates brings deep expertise in habitational risks and access to multiple carriers. Their focused underwriting approach allows brokers to confidently place apartment risks that fall within a defined appetite. Whether your client owns a suburban apartment complex or a mixed-use building with ground-floor retail, this program offers a practical solution backed by experienced professionals. Frequently Asked Questions What types of accounts are a good fit for this program?Apartment buildings with five or more units, not exceeding five stories, and meeting occupancy and safety standards are ideal. Mixed-use buildings may also qualify if tenants carry proper liability coverage. Are pools allowed under this program?Yes, pools are acceptable if they meet safety requirements including fencing, self-locking gates, lifesaving equipment, and compliant drain suction systems. Is student housing eligible for coverage?Yes, but only if student renters make up no more than 50% of total occupancy. What states is this program available in?This program is currently available in Arizona, California, and Nevada. What is the minimum premium?The minimum premium for eligible accounts starts at $500, depending on risk characteristics and coverage selections. Need help placing an account? Connect with a market specialist.