https://completemarkets.com/company/ashleygeneralagency/Garage/
Garage Insurance — Ashley General Agency
Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500.
Ideal Accounts and Appetite
This program is built for a broad range of garage-related risks. Typical classes we underwrite include:
Auto repair shops and general auto repair
Used auto sales / internet auto sales
Dealers (including dealer physical damage and garagekeeper exposures)
Auto parts sales and installation
Car washes
Mobile auto repair and towing-related operations
RV, motorcycle, scooter, and golf cart sales & repair
Heavy truck repair/sales and utility trailer sales/repair
Impound yards and emergency vehicle sales/repair
We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review.
Coverage Highlights and Advantages
Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg.
Dealer physical damage and garagekeeper coverage offered up to $1,000,000.
Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles.
Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales.
Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements.
Underwriting Notes and Minimums
Minimum driver age is 18 for program eligibility.
Minimum premium: approximately $500 (final premium subject to underwriting and state rules).
We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements.
Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles.
Territories and Admitted Status
This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission.
Why Work With Ashley General Agency
Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit.
Example Accounts That Fit This Program
A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits.
A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget.
For more information on our Garage program, call us today!
Frequently Asked Questions
What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories.
What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review.
What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms.
How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation.
Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission.
Need help placing an account? Connect with a market specialist.