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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.

Amwins Program Underwriters' Trailer & Work Truck Manufacturers insurance program is tailored for agents placing coverages for clients that manufacture, distribute or install truck bodies, trailers and specialized equipment. The program is offered on an admitted basis unless otherwise indicated and is designed to address the unique liability and property exposures of trailer builders and work-truck body manufacturers. Program Sweet Spot Target accounts include manufacturers, distributors and installers of truck bodies, trailers and mounted equipment. This program is not available for RVs, buses, campers or unrelated vehicle conversions. Eligible Risks and Revenue Tests To qualify: At least 75% of a company's revenue must come from truck equipment manufacturing or installation. Trailer manufacturers must generate at least 90% of sales through trailer dealers. Truck equipment covers equipment designed to mount on bare truck chassis to convert the truck to a special-use vehicle, including but not limited to: Ambulance / emergency response trucks Beverage trucks Dump trucks Fire trucks Tow trucks Utility trucks Eligible Types of Trailers Eligible trailers include (but are not limited to): Utility trailers Cargo trailers Heavy equipment trailers Semi-trailers Coverage Highlights This program provides package solutions that can be combined to match an account's exposures. Available coverages include: General Liability including Product Liability Property Inland Marine Crime Equipment Breakdown Cyber Automobile Umbrella Workers' Compensation Underwriting Notes Underwriters look for clear revenue segmentation that demonstrates a primary focus on truck equipment or trailer manufacturing. Typical considerations include: Percentage of sales from manufacturing vs. repairs, service or unrelated business lines. Distribution channel for trailers (dealer-direct sales requirement for trailer manufacturers). Product testing, quality control and installation procedures for mounted equipment. Completed operations and product liability exposures tied to mounted bodies and trailers. Provide detailed loss runs, description of product types, photos of operations and installation practices to speed placement. Availability Available in all U.S. states and the District of Columbia. States served: 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, DC, WV, WI, WY. Why Place This Business With Amwins Underwriting As a Managing General Agency working with markets such as Markel, Amwins Underwriting combines specialty underwriting expertise and admitted paper to provide capacity for niche truck equipment and trailer risks. The program is structured to handle product liability and completed operations exposures common to manufacturers and installers while offering complementary property and inland marine options for equipment and finished units. Example Accounts A regional company that fabricates utility bodies and installs service cranes on flatbeds—75%+ revenue from manufacturing/installation and standard dealer distribution for any trailers—seeking GL, auto and inland marine coverage. A trailer manufacturer that sells primarily through dealers (90%+ dealer sales), requesting combined property, product liability and umbrella limits for completed trailers and transit exposures. Submission Guidance To submit accounts or request a quote, send complete submissions (ACORD applications, current loss runs, product descriptions and photos) to: [email protected]. Carrier & Program Positioning Carrier relationships (for example: Markel) provide admitted capacity and program consistency. Amwins Underwriting positions accounts with underwriters who understand the manufacturing and installation life cycle—from fabrication to dealer distribution and service—so you can place accounts with fewer gaps in coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Manufacturers, distributors and installers whose primary business is truck equipment manufacturing or trailer production—generally where at least 75% of revenue is from truck equipment work, or where trailer manufacturers sell at least 90% through dealers. Is this program offered on admitted paper?Yes. The Trailer & Work Truck Manufacturers program is provided on an admitted basis unless otherwise indicated by underwriting. Which coverages can be packaged through this program?Commonly packaged coverages include General Liability (with Product Liability), Property, Inland Marine, Automobile, Umbrella and Workers' Compensation, plus optional coverages like Cyber, Equipment Breakdown and Crime when appropriate. What do underwriters want to see on submission?Provide ACORD applications, current loss runs, detailed product descriptions, installation procedures and photos of the manufacturing facility and finished units. Clearly document revenue breakdowns to show the required percentage from truck equipment or dealer sales for trailers. Need help placing an account? Connect with a market specialist.

... Drillers (Not Oil & Gas) Electrical ... industrial manufacturing or oil & gas drilling are typically not a good f...

Comprehensive Insurance for Sewer and Water Main Contractors Sloan Mason Insurance Services, Inc. offers a specialized insurance program designed for sewer and water main contractors. This program is backed by A-rated, admitted carriers and provides a robust package of coverages, including Auto Liability, General Liability, Property, Inland Marine, Workers' Compensation, and Umbrella. Offered exclusively through Sloan Mason, this program is ideal for contractors operating in large-scale infrastructure environments. Ideal Accounts and Target Risks This program is specifically tailored for contractors working in new tract developments and public infrastructure projects. It is not intended for contractors performing residential hook-ups or other small-scale residential work. Ideal accounts include those involved in underground utility work, pipeline installation, and municipal water and sewer projects. Example accounts include: Contractors installing water mains for a new commercial development Firms replacing sewer lines for municipal improvement projects Coverage Highlights Key coverages available under this program include: Auto Liability General Liability Property Inland Marine Workers' Compensation Umbrella Liability Coverage is available on an admitted basis, providing agents and their clients with peace of mind and regulatory compliance in most states. Underwriting Requirements and Minimum Premiums To receive a full underwriting review and the most competitive quote, agents should be prepared to submit the following documentation: Five-year payroll history Five years of currently valued, carrier-issued loss runs (dated within 120 days of the requested effective date) Acord applications for AL, GL, Property, Inland Marine, and Umbrella Current NCCI or WCIRB Experience Rating Worksheet Completed contractor supplemental (generic forms accepted) Minimum premium thresholds: $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package $7,500 for Umbrella coverage alone For a detailed submission checklist, please refer to our Underground Utility Contractors Data Sheet. Territory and Availability This program is available in all 50 states and the District of Columbia. Sloan Mason works with various carriers to ensure broad access and flexible underwriting capabilities nationwide. Why Partner With Sloan Mason Insurance Services, Inc.? As a wholesale broker with deep expertise in contractor-related risks, Sloan Mason delivers tailored solutions for complex accounts. Their access to top-rated, admitted markets ensures that you can place your contractor clients with confidence. With a strong focus on underground utility and infrastructure contractors, Sloan Mason understands the unique liability and equipment exposures in this industry and provides responsive service and underwriting support to help you close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets sewer and water main contractors working on new tract developments and public infrastructure projects. It is not suitable for contractors performing residential hook-ups. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia through Sloan Mason’s network of carriers. What is the minimum premium for this program?The minimum premium is $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package, and $7,500 for Umbrella coverage alone. What documentation is required to obtain a quote?Agents must provide five years of payroll history, five years of loss runs, Acord applications, a current NCCI or WCIRB worksheet, and a completed contractor supplemental form. Can residential plumbing contractors qualify for this program?No, this program does not cover contractors who perform residential hook-ups or small-scale residential work. Need help placing an account? Connect with a market specialist.

...age. Whether your client operates a gas station, commercial facility, or indus... or aboveground storage tanks, such as gas stations, commercial fuel depots, a...