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... Recreational Vehicles Motorcycles Non Dealer Repair Servi...de new/used car dealers, independent repair shops, full-service car washes, de...

...gency, Inc. offers a focused Auto Repair Shop Insurance program designed for i...od fit for this program?General auto repair shops, brake and alignment service...

...e Passenger Auto Repair Shops Motorcycle Dealers and Repair Centers Auto S...e-related businesses, including auto repair shops, dealerships, body and paint shops, gas stations with repair bays, and more. Are you able to qu...

... businesses involved in the sale, repair, and service of all-terrain vehicles....rogram is ideal for ATV dealerships, repair shops, and service centers, as wel...

...ire sales and installation Tire repair and balancing services Auto garages... tire dealers, tire installation and repair shops, and specialty tire dealers ...

...ractors who install, service, and repair residential communications systems. T...esidential installation, service and repair of communications systems such as ...

...shops and servicing centers Motorcycle and RV servicing shops Tire dea...gram?Small to mid-size auto dealers, repair shops, lube and oil-change centers...

...ale Used Truck Dealers Used Motorcycle Dealers Used RV Dealers New ven...s well suited for used car, truck, motorcycle and RV dealers, as well as repair shops, body shops, tire retailers ...

...pment installation, servicing, or repair. It is not intended for risks primari...clude independent welders performing repairs, maintenance, or specialty weldin...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Alarm and Car Stereo Installation Insurance program built for professionals who install vehicle alarms, stereo and audio-visual systems, and related electronics. The program is designed for both fixed-site shops and mobile installers, addressing the specific liability and garage exposures that arise when technicians work on customer vehicles or transport them for service. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents and brokers with access to broad garage-related liability markets and specialty programs. This Alarm and Car Stereo Installation program fills gaps left by standard general liability by combining garage liability, Garage Keepers protections, and optional property and physical damage coverages — useful for accounts handling high-value vehicles, aftermarket electronics, or mobile operations. Ideal Accounts and Appetite This program is best for contractors and businesses that focus on installation and service rather than manufacturing or wholesale distribution. Typical classes include: Automobile alarm and security system installers Car stereo, navigation and in-car audio-visual system installers Shops that perform aftermarket electronic upgrades and integrations Mobile installation and on-site service providers Preferred accounts have clear safety protocols, secure storage for customer vehicles and equipment, and a clean or manageable loss history. Accounts that primarily manufacture electronics, operate large-scale retail distribution, or present unusual garage exposures should be discussed with underwriters before submission. Coverage Highlights and Advantages Commercial Garage coverages available include: Aggregate liability capacity up to $3,000,000 Garage liability limits up to $1,000,000 per occurrence Medical payments coverage (example: $5,000 available) Garage Keepers coverage on a primary basis with specified causes of loss Fire legal liability and Dealers Physical Damage options False pretense coverage and broadened coverage endorsements In-transit coverage for towing and vehicle movement exposures Optional property coverage for business personal property and tools These features are intended to protect your insureds from exposures such as customer-vehicle damage during installation or test drives, theft of installed equipment, fire or vandalism at the premises, and liability arising from installation errors. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to match coverage to account complexity. Admitted options are available in select states, with E&S placements used where appropriate. Minimum premiums vary by carrier, state, and risk characteristics; accounts with documented safety programs, secure storage practices, and a favorable claims history will generally receive the most competitive terms. For higher-risk or larger accounts, expect additional underwriting requirements such as inventories, photos of premises and vehicles, and written procedures for mobile operations. Territories and Availability This program is currently offered in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted availability varies by state and carrier. Contact Colonial General to confirm admitted vs. non-admitted placement options for a specific submission. Why Work With Colonial General Colonial General specializes in garage and auto-related niche programs, giving agents access to underwriting expertise and markets that understand the unique risks of aftermarket electronics and mobile installers. Their capacity to place both admitted and non-admitted business, plus flexible coverages like Garage Keepers on a primary basis and in-transit protection, makes this program a practical option for accounts that are difficult to place in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for businesses that install car alarms, stereos, navigation and other aftermarket electronics — including both fixed-location shops and mobile installation services. Is Garage Keepers Coverage included?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect customer vehicles while in the installer’s care, custody, and control. Are mobile installers eligible for coverage?Yes. Mobile installers are eligible and can be offered in-transit coverage for towing or vehicle movement exposures when applicable; underwriting will review mobile procedures and security controls. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted market availability varies by state and carrier. Can I access both admitted and non-admitted markets through Colonial General?Yes. Colonial General places business in both admitted and non-admitted markets depending on the state and specific account needs. Need help placing an account? Connect with a market specialist.