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Insurance Program Managers Group (IPMG) offers a specialized Scrap Metal Dealers Insurance program designed to help agents and brokers place workers’ compensation coverage for businesses in the scrap and recycling industry. With access to multiple A-rated carriers and markets that can handle higher-risk accounts, IPMG delivers flexible, responsive solutions across a range of states. Ideal Accounts and Appetite This program is built for businesses that handle metal recycling, salvage, and related operations. Ideal accounts include: Scrap metal yards and collection points Auto salvage and dismantling operations Industrial recyclers and processors of metal-based materials IPMG will consider accounts with elevated experience modifications or a prior loss history and can help determine the best market placement. Typical declines include operations with severe, unresolved regulatory issues or exposures outside standard scrap metal activities. Coverage Highlights and Advantages Fast turnaround—same-day quotes available when submissions are complete Access to A-rated carriers focused on workers’ compensation for this niche Markets that will consider high-mod or distressed accounts depending on underwriting Minimum premium beginning at $5,000 The program addresses core comp exposures for scrap handlers: material handling and sorting, heavy equipment operation, transportation of loads, and shop/dismantling activities. Whether your client is a small local yard or a regional processor, IPMG offers underwriting experience and placement options tailored to these risks. Submission Requirements To obtain a quote, provide: Completed Accord application with a clear description of operations Three to four years of currently valued loss runs Current Experience Modification Rating (if applicable) Territories and Availability This workers’ compensation program is available in: AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. IPMG leverages different markets by state to find the best fit for a given account. Why Work With IPMG? IPMG specializes in niche and complex workers’ compensation placements. Their underwriters understand the operational hazards common to scrap metal and recycling businesses and can navigate placement for accounts other markets may avoid. Agents benefit from quick responses, broad market access, and a partner comfortable with higher-mod or challenged files. Example scenarios: You have a regional auto salvage yard with heavy equipment and a recent uptick in claims — IPMG can evaluate available markets that will consider the account. A small scrap collection business needs comp coverage but has a higher mod; IPMG can help you prepare the submission and target appropriate carriers. Frequently Asked Questions What types of accounts are a good fit for this program?Scrap metal dealers, auto salvage yards, and industrial recyclers are ideal candidates for this workers’ compensation program. Can IPMG handle high mod or distressed accounts?Yes. IPMG works with markets that will consider accounts with high experience modifications or prior losses, subject to underwriting review. What is the minimum premium for this program?The program starts at a minimum premium of $5,000, though actual premiums depend on payroll, classification mix, loss history, and underwriting. What documents are required for a quote?Provide a completed Accord application, 3–4 years of currently valued loss runs, and the current experience mod (if available). Which states is this program available in?This program is available in AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. Need help placing an account? Connect with a market specialist.

tKg Comp, a division of Keating, offers a specialized Garbage Hauling Workers' Compensation Insurance program tailored for the unique risks of waste-related operations. This program is designed specifically for agents and brokers looking to place business for clients in the commercial and residential garbage hauling industries. Overview of the Program From Keating Our workers' compensation solution serves a range of waste handling operations, including construction debris hauling, junk removal services, recycling operations, and salvage businesses. With access to several carriers, we offer flexible options to help agents secure coverage for hard-to-place accounts in this niche sector. Coverage is available in both admitted and non-admitted markets, depending on the state and exposure. Ideal Accounts and Appetite This program is an excellent fit for businesses involved in: Construction waste and demolition debris hauling Recycling and salvage operations Commercial or residential garbage collection Junk removal companies You might have a client with a fleet of roll-off trucks servicing construction sites, or a regional company offering curbside recycling services — these are ideal accounts for this program. We also welcome startup operations, provided they meet underwriting guidelines. Coverage Highlights and Advantages Competitive workers' compensation solutions for high-risk waste industry classes Support for both commercial and residential hauling operations Expert underwriting team familiar with the exposures and compliance demands of the industry We understand the operational hazards faced by waste haulers — from vehicle-related injuries to exposure to hazardous materials — and design our coverage to help mitigate these risks. Underwriting Notes and Minimum Premiums Minimum premiums start at $20,000. Actual premium and eligibility will vary depending on the state and specific business exposure. Our underwriters review each submission in detail to assess risk and determine the best fit among our carrier partners. Territories and Availability This program is currently available in the following states: Arizona, Connecticut, Georgia, Illinois, Indiana, Kansas, Missouri, North Carolina, Nebraska, Nevada, Pennsylvania, Tennessee, and Vermont. We continue to expand our reach as carrier appetite allows. Why Work With Keating? Keating brings strong market relationships and deep underwriting knowledge to niche industries like waste hauling. Our specialized team at tKg Comp understands the operational and regulatory challenges your clients face and works closely with agents to find tailored solutions. Whether you're looking to place a single-location junk removal company or a multi-state waste management firm, we can help you provide the right coverage for your clients. Contact us today to learn more about how we can assist with your garbage hauling workers' compensation submissions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for businesses involved in garbage hauling, construction debris removal, recycling, salvage, and junk removal services. What is the minimum premium for this workers' comp program?The minimum premium starts at $20,000, though this may vary depending on the risk and state. In which states is this program available?Coverage is available in AZ, CT, GA, IL, IN, KS, MO, NC, NE, NV, PA, TN, and VT. Does the program cover both commercial and residential waste hauling?Yes, the program supports both commercial and residential garbage hauling operations. What carriers are used in this program?We partner with several carriers to provide flexible and competitive options, depending on the account and state. Need help placing an account? Connect with a market specialist.

Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program designed for a wide range of auto-related businesses. This program helps independent retail agents and brokers place difficult or niche garage risks across Idaho, Nevada, and Washington by using non-admitted markets and tailored underwriting. Ideal Accounts and Target Classes This program fits many garage operations that often have trouble in the admitted market. Target classes include: Auto dealers — new, used, wholesale, and internet-based Auto maintenance, repair, and body shops Recreational vehicle and motorcycle sales & repair Antique and classic auto restoration Mobile repair units and roadside assistance providers Valet parking services Auto glass, tinting, upholstery, and vehicle wrap services Salvage yards, dismantlers, and utility trailer repair Heavy truck sales and repair Examples of good-fit accounts you might submit: a rural RV repair shop that runs mobile service calls and needs broad garagekeepers limits, or a used-car dealer with an open-lot exposure and prior minor liability losses that has been declined by admitted carriers. Coverage Highlights Available coverages include (but are not limited to): Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insureds, Broadened Coverages, and Property. Limits available typically go up to $1,000,000 per occurrence / $3,000,000 aggregate for liability, and up to $1,000,000 for Garagekeepers coverage, subject to underwriting and carrier guidelines. Underwriting Notes and Minimum Premiums This is a non-admitted program placed through various surplus lines carriers, which gives Ck Specialty flexibility to craft solutions for more complex or nonstandard risks. Underwriting focuses on operations, location, loss history, and safety controls. Classes with mobile operations, salvage activities, or heavy-truck exposures are considered but reviewed carefully for limits, deductibles, and policy terms. Minimum premiums start at $750 for mono-line Garage Liability or Garagekeepers placements and generally $1,000 for package policies, though final pricing varies by class and exposures. Territories and Availability The program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions are reviewed on a case-by-case basis; appetite and terms may differ by state and carrier. Why Work With Ck Specialty Ck Specialty Insurance is a family-owned wholesale brokerage and Western-based MGA and Surplus Lines Broker. They emphasize responsiveness and practical placement strategies for hard-to-place garage accounts. Their carrier relationships and underwriting expertise help independent agents access markets and coverage forms they may not reach directly. Whether your client operates from a remote location, runs mobile units, manages salvage operations, or simply needs broader-than-average liability and garagekeepers protection, Ck Specialty can help you identify placement options and move submissions efficiently. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses that are hard to place in admitted markets. Is this an admitted or non-admitted program?This is a non-admitted program placed through surplus lines carriers, offering greater flexibility in underwriting and coverage customization. What are the minimum premium requirements?Minimum premiums typically start at $750 for mono-line coverages and $1,000 for package policies, though final premiums depend on class, limits, and exposures. Which states is this program available in?This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington. Can this program cover mobile operations or roadside assistance companies?Yes—mobile repair units and roadside assistance providers are among the accepted classes. Submissions should detail operations, limits requested, and risk controls to help underwriters assess placement options. Need help placing an account? Connect with a market specialist.

Workers Compensation Program for Waste Haulers PMC Insurance Group offers a specialized Workers Compensation program for Waste Haulers, designed to meet the needs of both small and large operations in the waste management sector. Whether your client operates a small junk removal business or a large-scale commercial waste hauling company, PMC delivers tailored solutions backed by underwriting expertise and risk management support. Ideal Accounts and Target Classes This program is built to serve a wide range of waste hauling operations, including: Commercial waste haulers Residential waste haulers (automated pickup only) Construction waste transportation Recycling and salvage operations Junk removal services Accounts should have a minimum of 3 years of operational experience to qualify. The program is especially well-suited for agents working with larger accounts that require more than just standard coverage—those that need loss-sensitive structures and dedicated risk management services. Coverage Highlights and Program Advantages PMC partners with admitted, A-rated carriers to provide robust Workers Compensation solutions that can be structured to meet the unique risk profiles of waste hauling businesses. Key features include: Guaranteed cost options for smaller accounts seeking budget predictability Loss-sensitive deductible programs for larger operations looking to manage costs through risk control Access to experienced underwriters who understand the waste hauling industry Risk management consulting to help reduce claims and improve safety Underwriting Guidelines and Premiums Minimum premiums start at $5,000, with final pricing based on account size, claims history, and operational complexity. All submissions must demonstrate at least three years of experience in waste hauling or a related operation. Larger accounts may be eligible for more customized structures, including deductible and retrospective rating plans. Available States This program is available in the following states: AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, VA If you have clients located in these states who need reliable Workers Compensation coverage for waste hauling operations, PMC can help you place the business efficiently. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with deep expertise in workers compensation programs. Their Waste Haulers Workers Compensation program reflects a commitment to offering niche, high-value solutions that give agents and brokers a competitive edge. With access to multiple carriers and flexible program structures, PMC is a valuable partner for agents seeking responsive underwriting and risk management support for this challenging class of business. Whether you’re working with a growing junk removal company or a multi-state commercial hauler, PMC delivers the tools and support you need to place and retain quality accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial and residential waste haulers (automated pickup only), construction waste haulers, recycling/salvage companies, and junk removal services with at least 3 years of experience are ideal. Is the program available for new ventures?No, accounts must have a minimum of three years of operating history to qualify for this program. Are loss-sensitive deductible plans available?Yes, for larger accounts, PMC offers loss-sensitive deductible programs in addition to guaranteed cost options. What is the minimum premium for this program?The minimum premium starts at $5,000, but final pricing depends on account size, risk profile, and coverage structure. In which states is the program available?This program is available in AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

Our Franchised RV Dealer Environmental Insurance Program provides up to $1 million in limits with coverage placed through the Chubb Group of Insurance companies*. This program is designed for franchised RV dealers and their agents who need targeted environmental protection for dealer sites, transported units, and related exposures. Transported cargo liability Liability for non-owned disposal sites Coverage for new pollution incidents at insured sites __________________________________________________________________ In addition to broad coverages, the Franchised RV Dealer Environmental Insurance Program delivers focused underwriting and responsive service for agents placing environmental risks. Our process is designed to be efficient and straightforward: A streamlined application Straightforward underwriting Availability across the continental U.S. Fast service from quote to bind to policy issue ___________________________________________________________________ Get Started! To begin with the Franchised RV Dealer Environmental Insurance Program, please Register with us today and visit our website to download the application. ___________________________________________________________________ Overview of the Program This program, administered through SeaFire’s environmental platform and backed by the Chubb Group of Insurance companies*, is built specifically for franchised RV dealers. It addresses the common pollution exposures dealers face — on-site releases, incidents during transport, and liability arising from the use of third-party disposal sites. Ideal Accounts and Appetite Franchised RV dealers and multi-location dealerships with on-site service, fueling or battery storage activities. Dealers who transport units between lots or to service facilities and need transported cargo/pollution protection. Accounts with standard environmental controls in place (secondary containment for fluids, documented waste disposal practices). Typically not a fit: heavy manufacturing operations, large-scale salvage yards, or dealers with known, unresolved environmental contamination. Coverage Highlights and Advantages Up to $1,000,000 in limits (refer to policy terms for limits and retentions). Transported cargo pollution liability to protect while units are in transit. Non-owned disposal site liability to address third-party waste handling exposures. Coverage for newly discovered pollution incidents at insured sites to reduce clients’ out-of-pocket risk for remediation and liability. Underwritten by an experienced environmental team with access to admitted-quality capacity through Chubb. Underwriting Notes and Minimum Premiums The program uses a streamlined application and a focused underwriting review. Minimum premium: Varies by account characteristics and state. Typical underwriting focuses on site operations, fuel/battery storage, waste handling practices, and loss history. Provide current operating procedures and any recent environmental reports to speed placement. Territories and Availability This program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Availability and terms may vary by state. Why Work With SeaFire on This Program Program administration focused on environmental risks for specialty dealer classes. Efficient submission-to-bind workflow to help you move accounts quickly. Access to capacity through Chubb with underwriting depth for environmental exposures. You might have a client who operates three franchised RV lots, performs light service work, and transports units between locations — this program is designed to fill environmental gaps traditional commercial policies may not address. Learn More. For more information about SeaFire's Franchised RV Dealer Environmental Insurance Program please visit our website. Frequently Asked Questions What types of franchised RV dealer accounts are a good fit for this program?Accounts with multiple dealership locations, light service operations, on-site fluid/battery storage, and regular transport of units are a good fit. Dealers should have standard environmental controls and routine waste disposal practices in place. Heavy manufacturing, major salvage operations, or sites with known unresolved contamination typically do not fit. What specific pollution exposures does the policy address?The program covers new onsite pollution incidents, pollution liability from transported cargo, and liability arising from non-owned disposal sites. Coverage details, limits, and retentions are set in the policy forms and depend on underwriting. How do I submit a risk for consideration?Register with the program administrator and complete the environmental application. Provide site operation details, waste handling procedures, and any recent environmental reports or loss history to accelerate underwriting review. Is this coverage available in my state, and what about minimum premiums?The program is available across the listed states (see the territories and availability section). Minimum premium varies by state and account characteristics; underwriting will confirm the applicable premium and terms. Need help placing an account? Connect with a market specialist.

Russell Bond & Co., Inc. offers a proprietary program for Tow Truck Operators, including garage operations. Independent Garage and Towing Contractor Services, Inc. (IGTCS) is a Risk Purchasing Group (RPG) insurance program formed in 1997. Developed and administered by Russell Bond & Co., this program is designed to meet the unique insurance and risk management needs of towing and garage operations on a national scale. The IGTCS program features a dedicated in-house team of seasoned professionals handling underwriting, sales, and administrative support. With over 15 years of industry-specific experience per team member, the program delivers tailored solutions backed by strong carrier partnerships and responsive service. Program Highlights Coverage underwritten by an "A, Excellent" A.M. Best-rated carrier on admitted paper Meets or exceeds requirements for most motor clubs and many state regulations Federal and state filings included at no additional cost Flexible and affordable premium financing options Coverage Options Business Auto Liability: up to $1,000,000 per accident General Liability: $1,000,000 per occurrence / $3,000,000 aggregate Garage Keepers Legal Liability: up to $500,000 On-Hook Liability: up to $250,000 Employment Practices Liability: up to $1,000,000 Optional coverages: Property, Umbrella, and Cargo Workers’ Compensation available in AL, AR, DE, FL, GA, IA, IN, IL, KS, KY, LA, MD, MN, MO, MS, NC, OK, PA, SC, TN, TX, VA, and WI Ideal Accounts and Eligibility Towing companies with 3 to 50 power units—larger fleets considered Minimum of two years in operation Employee drivers only 24/7 towing services Clean 5-year loss ratio (preferably 25% or lower; exceptions considered for shock losses) Operations that include roadside assistance and/or repair services Accounts with additional services like body shops, convenience stores, non-impound storage, salvage yards, used car sales, and voluntary repossessions Ineligible Risks Involuntary repossessions Public dismantling operations Trucking operations Used and recapped tire sales Territories and Availability This program is available in most states across the U.S., including AL, AZ, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, ME, MD, MI, MN, MO, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, and WI. Why Work With Russell Bond & Co., Inc.? Russell Bond & Co. brings deep expertise in the towing and garage sector, offering agents access to a well-established, proprietary program backed by a financially strong carrier. Their dedicated program team provides fast, knowledgeable support and a flexible underwriting approach that helps agents confidently place eligible accounts. You might have a client operating a 24-hour towing company with attached garage repair services and a clean loss history—this program is designed for exactly that kind of operation. Whether your client's business is in a rural area or a smaller metro market, IGTCS has the coverage breadth and underwriting appetite to serve their needs. If you’d like to learn more about placing business through the Tow Truck Program, reach out to the Russell Bond team directly. Frequently Asked Questions What types of accounts are a good fit for this Tow Truck Program?Preferred accounts include towing companies with 3 to 50 power units, clean loss histories, employee drivers, and a minimum of two years in business. Operations with roadside assistance, repair shops, or related incidental services are also eligible. Are larger towing fleets eligible for this program?Yes, while the target size is 3 to 50 power units, larger accounts may be considered depending on risk characteristics and loss history. Can this program cover operations with other business activities?Yes, the program can accommodate incidental operations such as body shops, convenience stores, salvage yards, used car sales, and voluntary repossessions. Is Workers’ Compensation coverage available through this program?Yes, Workers’ Compensation is available in select states including TX, FL, GA, PA, and others. Contact the program team for state-specific availability. What types of risks are not eligible?Ineligible risks include involuntary repossession services, trucking, public dismantling operations, and used or recapped tire sales. Need help placing an account? Connect with a market specialist.

Garage Liability Solutions from Burns & Wilcox Automobile service and sales operations carry a mix of premises and auto exposures that can lead to significant property damage, bodily injury, and expensive litigation. Burns & Wilcox’ Garage Liability program is designed for independent agents and brokers who need flexible placement options for dealers, repair shops, valet operations and other garage-type risks. The program provides both admitted and non-admitted market access and can be written as monoline or within a broader package. Underwriters focus on tailoring coverage to the account—whether you’re placing a single-location repair shop or a multi-location dealer group. Target Classes and Ideal Accounts This program supports a wide range of garage-related operations, including: New and used auto dealers Service and repair garages Heavy truck and trailer sales and service Motorcycle, RV, ATV, and boat dealers Valet and parking lot operations Auto auctions, classic car restorers, and salvage yards Accounts that combine sales, on-site repairs, accessory installation, detailing, or full-service car wash operations are typically a good fit. The program is also suitable for specialty dealer operations such as classic car restorers and auction houses that need tailored liability and garagekeeper solutions. Example scenarios you might place through this program: A regional used-car dealer with on-site service bays and a fenced open lot seeking combined premises and auto liability plus dealer’s open lot coverage. A valet operator handling high-value vehicles that needs garagekeepers, excess limits and optional cyber/pollution enhancements. Coverage Features and Advantages Monoline Dealer’s Open Lot and Garagekeepers available Comprehensive package options: Garage Liability, Scheduled Autos, On Hook, Property, Business Income and more Access to both admitted and non-admitted carriers for placement flexibility Combined coverage for premises and auto liability to reduce gaps Optional enhancements—pollution, cyber liability, fire legal liability Dealer’s Errors & Omissions (E&O) and broad-form products for retail operations Drive-other-car coverage and excess limits where needed Multiple limit and deductible structures to match account size and risk appetite Underwriting Notes and Availability Burns & Wilcox underwriters evaluate accounts with attention to operations, claims history, physical security, repair procedures, and risk controls. The program’s admitted and non-admitted options give you flexibility on pricing and capacity—use the admitted market where available and competitive, or non-admitted when broader coverage or higher limits are required. Be prepared to provide details on vehicle schedules, garagekeeper exposure, repair procedures, daily vehicle counts, and any on-site storage of fuels or solvents to streamline underwriting. Territories Served This program is available nationwide — all 50 states plus Washington, DC. Territory-specific availability and admitted status will depend on the carrier selected for placement. Why Work With Burns & Wilcox? As a leading managing general agency, Burns & Wilcox combines deep garage-industry underwriting expertise with broad market access. Agents benefit from tailored solutions for complex garage exposures, responsive underwriting, and the ability to package liability, property and ancillary coverages to reduce client gaps. Whether you need admitted paper for a local dealer or non-admitted capacity for an unusual risk, Burns & Wilcox can help you place it. Frequently Asked Questions What types of accounts are a good fit for the Burns & Wilcox Garage Liability program?This program is ideal for auto dealers, repair garages, motorcycle and RV dealers, valet services, salvage yards, and similar operations. Can I package multiple coverages under this program?Yes. Burns & Wilcox offers package options including Garage Liability, Dealer’s Open Lot, Garagekeepers, Property, Business Income, and more. Is this program available in all states?Yes, the Garage Liability program is available in all 50 states plus Washington, DC. Are both admitted and non-admitted carriers available?Yes. Depending on the risk, Burns & Wilcox can place coverage through either admitted or non-admitted markets. Does this program offer coverage for cyber liability and pollution?Yes. Optional coverage for cyber liability and pollution is available to enhance your client’s protection. Need help placing an account? Connect with a market specialist.

DMI Insurance Services, Inc. is a Managing General Agency (MGA) with more than 30 years focused on the automotive service industry. Our Automotive Program Specialists deliver tailored garage package solutions for non-franchised Independent Auto Dealers and a wide range of automotive repair shops. The program combines targeted coverages, experienced underwriting, and responsive service designed for the operational risks common to this sector. Ideal Accounts and Appetite This program is intended for non-franchised Independent Auto Dealers and a broad spectrum of automotive service centers. Typical eligible classes include: Independent Auto Dealers (Non-Franchised): Wholesalers Retailers Dealers offering public service or repair Dealers performing minor body work, spray painting, or collision repairs Automotive Shops: General auto repair shops Air conditioning and brake shops Transmission and diagnostic centers Paint & body shops with U.L. approved spray booths Upholstery, electrical, frame alignment, and radiator shops Smog control and tune-up centers We can tailor limits and endorsements to match specific operations. While the program is flexible, accounts with extensive high-value inventory, heavy fleet operations, or significant liquor exposure may require additional review or alternative placement. Coverage Highlights and Advantages DMI’s Garage Program provides a comprehensive package of coverages designed to address the exposures dealers and repair shops face day-to-day. Options include: Garage Liability — up to $1,000,000 CSL Hired & Non-Owned Auto Drive Other Car coverage Medical Payments — up to $5,000 per person Federal Odometer, Title, and Truth-in-Lending Errors & Omissions Garagekeepers — Legal Liability and Direct Primary Dealer’s Open Lot / Blanket Physical Damage (limits vary by state) Broadened garage coverage, including personal & advertising injury and fire legal liability Commercial Property — real and business personal property Business income, sign coverage, employee tools, and EDP coverage Employee dishonesty, forgery, theft, and equipment breakdown (when property coverage is included) Underwriting Notes and Application Process DMI aims for fast turnarounds—most quotes are returned within 24 hours. We accept completed ACORD applications with our two-page supplemental (available on our website), but using DMI’s streamlined application generally speeds placement. Each submission is assigned a dedicated underwriter for consistent, direct communication. Territories and Availability This is a non-admitted program available in the following states: AL, AK, AZ, CA, CO, FL, IL, IN, KS, MI, MN, MS, MO, NV, NM, NY, NC, OH, OR, PA, and SC. Coverage is placed through respected carriers including Clarendon National Insurance Company, Western Heritage Insurance Company, and Burlington Insurance Company. Why Work With DMI Insurance Services, Inc.? DMI brings decades of niche expertise in automotive programs and an in-house claims division that manages claims from first report through salvage and subrogation. Agents benefit from competitive pricing, responsive underwriting, flexible endorsements, and a single point of contact for complex accounts. We focus on practical solutions that help your clients keep operations moving while controlling costs and losses. Example scenarios that fit well: A used-car dealer with a small service bay and on-site vehicle storage needing combined garage liability and dealer’s open lot coverage. A neighborhood paint & body shop with a U.L. approved spray booth seeking garagekeepers, property, and business income protection. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-franchised independent auto dealers and a wide range of automotive service and repair shops, including paint & body, transmission, and diagnostic centers. Is the program admitted or non-admitted?The Automotive Program Specialists program is offered on a non-admitted basis through rated carriers. How quickly can I get a quote?Most quotes are turned around within 24 hours, especially when you submit DMI’s preferred application form. What carriers are used for this program?DMI places coverage through Clarendon National Insurance Company, Western Heritage Insurance Company, and Burlington Insurance Company. In which states is this program available?The program is available in AL, AK, AZ, CA, CO, FL, IL, IN, KS, MI, MN, MS, MO, NV, NM, NY, NC, OH, OR, PA, and SC. Need help placing an account? Connect with a market specialist.

Garage Liability & Garagekeepers Insurance Program Overview from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. offers a comprehensive Garage Liability & Garagekeepers Insurance program tailored for a wide range of automotive-related businesses. As a trusted, family-owned MGA and Surplus Lines Broker based in the Western U.S., Ck Specialty provides brokers and agents access to multiple A-rated markets, with in-house binding authority and strategic brokerage options to meet your clients’ unique needs. This program is available in Arizona, Nevada, and Oregon, and is written on a non-admitted basis through strong carrier partnerships. Ideal Accounts and Risk Appetite This program is built to serve a wide array of garage and automotive operations. Whether your client is a small repair shop or a large truck dealership, Ck Specialty is ready to help you place the business. Ideal accounts include, but are not limited to: Service and Repair Shops Tire Shops (including used tire sellers) Used Auto Dealers Valet Parking Services Auto Dismantlers and Salvage Yards Body and Paint Shops Heavy Truck Dealers and Repair Operations Mobile Auto Repair Services Oil & Lube Shops Auto Storage and Impound Yards Classic and Antique Auto Restoration Roadside Assistance Providers Car Wash Facilities You might have a client running a mobile repair service out of Phoenix or a growing used car dealership in Las Vegas—this program is designed to cover those types of risks efficiently and competitively. Coverage Highlights and Advantages Comprehensive protection is available for a variety of exposures commonly found in the garage and automotive industry. Coverages offered include: Garage Liability Garagekeepers Coverage (Direct Primary or Legal Liability) Dealers Open Lot General Liability Excess Liability Property Employment Practices Liability Pollution Liability Inland Marine With multiple A-rated carriers and flexible underwriting, Ck Specialty can tailor coverage to match your clients' operational risks and industry exposures. Underwriting and Minimum Premiums The program offers a competitive minimum premium starting at $750, making it accessible for smaller operations while still scalable for larger accounts. In-house binding authority helps expedite the quoting and binding process, and when needed, brokerage markets can be accessed for more complex risks. Territories and Availability This program is currently available in the following states: Arizona (AZ) Nevada (NV) Oregon (OR) Agents operating in these states can leverage Ck Specialty’s expertise and market access to confidently quote and place these accounts. Why Partner with Ck Specialty Insurance As a Western-based, family-operated MGA and Surplus Lines Broker, Ck Specialty Insurance is committed to helping retail brokers succeed. With access to multiple A-rated carriers, a broad appetite for garage-related risks, and a focus on responsive service, Ck Specialty is a reliable partner for hard-to-place and standard accounts alike. Their in-house authority streamlines the process while providing the flexibility needed in today’s competitive insurance marketplace. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for service and repair shops, used auto dealers, mobile mechanics, tire shops, car washes, and heavy truck repair businesses, among others. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through A-rated carriers. What is the minimum premium for this program?The minimum premium starts at $750, making it accessible for small to mid-sized operations. What states is the program available in?This program is currently available in Arizona, Nevada, and Oregon. Can I access this program if I have a complex or unusual account?Yes, Ck Specialty has both in-house binding authority and access to brokerage markets for more complex or non-standard risks. Need help placing an account? Connect with a market specialist.