Search CompleteMarkets

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.

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.

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.

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.

The Demolition Contractors Elite Program from Blue River Underwriters is a comprehensive package solution tailored to the complex needs of demolition and related contracting operations. Designed with flexibility and responsiveness in mind, this program is backed by carriers rated “A IX” for financial strength and offers coverage options that address the many risk exposures faced by demolition professionals. Ideal Accounts and Appetite Target classes include a wide range of demolition-related operations such as: Wrecking of buildings and structures (99986) Dismantling of dwellings (99987) Interior tear outs for carpentry (91342) Salvage operations (98698) Grading and excavation contractors (95410, 94007) Contractors with permanent yards or executive supervisors (91580) Subcontractors and underpinning services (91585, 99803) If you have clients involved in structural teardown, land clearing, or urban redevelopment, this program offers the underwriting knowledge and coverage breadth to support their operations. Coverage Highlights and Advantages This package program is structured to include core and specialized coverages: Commercial General Liability Property, Inland Marine, and Crime Automobile coverages Industry-specific enhancements include: Contractors Blanket Additional Insureds Primary & Non-Contributory Wording Blanket Waiver of Subrogation Per Project Aggregate Limits Following Form Excess Coverage These features are built to meet the contractual and operational requirements often found in demolition and heavy construction projects. Underwriting Notes and Submission Requirements To submit a risk for consideration, be prepared with the following documentation: Completed ACORD applications Completed program supplemental Five years of currently valued loss runs Two-year job list or certificate holder list Five years of premium, payroll, and receipts history Minimum premium varies depending on the risk profile and coverage needs. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, and IL. Please contact a Blue River Underwriters representative for specific state availability details. Why Work With Blue River Underwriters? Blue River Underwriters is known for its strong underwriting expertise in niche markets. With responsive service and a track record of successful program management, Blue River provides agents access to trusted carriers and the tools needed to serve clients in high-exposure industries. Whether you're placing a large demolition contractor with multi-state operations or a smaller salvage outfit, Blue River can help you place the business confidently and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include demolition contractors involved in structural wrecking, interior tear-outs, excavation, salvage operations, and grading. Subcontractors and contractors with permanent yards are also eligible. Is this program available on an admitted basis?The program is offered on an admitted basis in most states. Please contact an underwriter for specific state availability. What documents are required to submit a risk?You'll need completed ACORD forms, a supplemental application, five years of loss runs, a two-year job or cert holder list, and five years of premium, payroll, and receipts. Can I get excess coverage through this program?Yes, following form excess coverage is available as part of the program's industry-specific enhancements. What is the minimum premium?Minimum premium varies based on factors such as operations, size, and location of the account. Contact Blue River for specific underwriting guidance. Need help placing an account? Connect with a market specialist.

A package insurance solution for tow-truck operators Available on an admitted & non-admitted basis Trinity Underwriting Managers — part of the Amwins Underwriting division — offers a focused, one-stop Towing Insurance Program for professional, for-hire tow companies. This program is designed for tow operators that also perform approved ancillary operations such as auto repair, body work, salvage, storage, and fuel sales. Distribution is handled through a select group of retail brokers; use this market when your clients need a tailored towing package rather than a general commercial auto placement. Ideal accounts and appetite Established professional, for-hire tow companies that operate approved ancillary businesses (auto repair, body shop, salvage, storage, gas sales, etc.). Small and large fleets — single-truck operators up to multi-unit fleet accounts. Accounts with AAA contracts or police rotations will be considered when underwriting supports those exposures. Not a fit: New ventures or operations without an established operating history. Coverage highlights and program strengths Auto liability — up to $1,000,000 General liability — up to $1,000,000 Physical damage — up to $500,000 On-hook / cargo — up to $500,000 Garagekeepers — available on a legal liability or direct primary basis Excess limits available to enhance primary limits where needed This program consolidates the primary towing exposures into a single package, simplifying placement and billing while addressing common gaps between auto liability, on-hook/cargo, physical damage and garagekeepers coverage. Underwriting notes & minimum premium Underwriting focuses on demonstrated operations, loss history, vehicle mix, and the scope of ancillary services. The program accepts both admitted and non-admitted placements to provide flexibility across jurisdictions. Minimum premium: Varies by state and coverages — consult underwriting for state-specific minimums and eligibility requirements. Common factors underwriters review: Years in business and operating history (new ventures typically declined) Driver hiring, training and MVR controls Vehicle types (rotators, wreckers, flatbeds) and values Nature and limits of ancillary operations (repair, storage, salvage) Territories and availability The program is available in the following jurisdictions: 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. Placements may be admitted or non-admitted depending on state rules and carrier appetite. Why place towing business with Amwins Underwriting / Trinity Underwriting Managers Niche underwriting expertise in towing operations and related garage exposures. Single-stop package options that combine auto liability, physical damage, on-hook/cargo and garagekeepers coverage. Flexibility to consider a wide range of fleet sizes and ancillary operations. Access to admitted and non-admitted capacity where appropriate. Example scenarios that fit this program You have a 12-truck towing fleet that also operates a small repair shop and offers short-term vehicle storage — the program can bundle auto liability, on-hook/cargo and garagekeepers coverages with appropriate limits and excess capacity. An established single-operator wrecker under a police rotation wants combined physical damage and on-hook coverage with excess limits available — this program can be evaluated for admitted or non-admitted placement based on state availability and underwriting. Interested in learning more? Please visit our website. Frequently Asked Questions What types of towing accounts are a good fit for this program?Established, for-hire tow companies that operate approved ancillary businesses (repair, body shop, salvage, storage, fuel sales) and fleets of varying sizes. Accounts with proven operations and acceptable loss history are preferred; new ventures are typically not eligible. Are admitted policies available?Yes. The program offers admitted and non-admitted placements depending on the state and underwriting assessment. Availability by state should be confirmed with underwriting. What coverages and limits can I request?The program can include auto liability and general liability (up to $1M), physical damage and on-hook/cargo (up to $500K), garagekeepers (legal liability or direct primary), and excess limits where needed. Exact limits depend on underwriting and carrier availability. How do I submit an account for consideration?Submit full loss runs, vehicle schedules, details of ancillary operations, driver hiring and safety programs, and any contract exposures (AAA, police rotation). Underwriting will evaluate operations, vehicle mix and loss history to determine eligibility and pricing. Need help placing an account? Connect with a market specialist.

Used Car Dealership Insurance Program from J.L. von Arx & Associates J.L. von Arx & Associates offers a focused Used Car Dealership Insurance program designed for independent agents placing risks in automotive sales, service, and mobile repair operations. As a general agency and excess & surplus lines broker, we combine specialized underwriting with access to multiple admitted and non-admitted carriers to deliver placement flexibility for dealer and garage exposures. Ideal Accounts and Appetite This program suits a range of retail and service operations in the used-vehicle space, including: Independent used car dealerships selling autos, light to extra-heavy trucks, RVs, motorcycles, golf carts, trailers and equipment Repair shops and service centers, including mobile repair businesses Dealers who maintain on-lot inventory and require physical damage protection Operations needing liability protection plus coverages for employee tools or business interruption Example: You might place a small used-truck lot in Arizona that operates a single repair bay. This program can combine Garage Liability, Dealer’s Open Lot physical damage, and Garage Keepers Legal Liability to address both sales and service exposures. Coverage Highlights and Advantages Coverage is offered as a package tailored to dealer and garage operations and may include: Garage Liability Auto & Premises Medical Payments Garage Keepers Liability (Legal Liability or Direct Primary) Dealer's Open Lot Physical Damage Building & Contents Coverage Fire Legal Liability Broad Form Personal Injury & Advertising Liability Broad Form Products Coverage Federal Odometer & Truth-in-Lending Errors Title Errors and Omissions Drive Other Car Coverage Employee Tools False Pretense Business Income with Extra Expense Underwriting Notes and Exclusions Underwriting focuses on standard, well-managed operations. The following are generally ineligible: Automobile salvage yards or businesses that rebuild salvage vehicles Vehicle repossession services Operations that service, maintain, or sponsor vehicles used in races or exhibitions Minimum premiums and specific terms depend on location, inventory values, services offered, and loss history. Contact J.L. von Arx & Associates for underwriting guidance and to discuss any borderline or specialty risks. Territories and Availability The program is currently available in Arizona, California, and Nevada. We offer admitted market options in select states and access to non-admitted carriers where broader capacity is needed. Why Work with J.L. von Arx & Associates? Agents choose J.L. von Arx & Associates for: Deep underwriting expertise in garage, dealer, and automotive risks Access to multiple competitive markets — admitted and excess & surplus — to improve placement options Responsive service and practical solutions for mobile, specialty, and multi-line dealer operations Whether you're placing a straightforward dealer account or a more complex operation with repair services and lot inventory, our program is structured to provide flexible coverage options backed by experienced underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for used auto dealerships, RV and motorcycle dealers, and mobile or fixed repair shops—basically operations involved in the sale or service of vehicles that need combined liability and physical damage protections. Are salvage yards or rebuilders eligible?No. Businesses that operate as salvage yards or rebuild salvage vehicles are outside this program's appetite. Is Dealer’s Open Lot coverage included?Yes. Dealer’s Open Lot Physical Damage is available subject to underwriting review and limits based on inventory values and lot exposures. Which states is this program available in?The program is currently offered in Arizona, California, and Nevada, with admitted market options in select states and non-admitted capacity available where appropriate. Can I submit risks with mobile repair operations?Yes. Mobile repair operations can be considered when they are properly classified and their exposures are clearly documented for underwriting. Need help placing an account? Connect with a market specialist.

Cochrane & Company is proud to introduce its new Admitted Dealer & Repair Insurance Program, designed specifically for garage operations that sell, service, or repair a wide range of vehicles. Backed by an AM Best “A” rated carrier, this program is a strong solution for agents seeking comprehensive coverage options for clients with unique garage exposures. Ideal Accounts and Appetite This program is tailored for a diverse range of garage-related businesses, including both established operations and new ventures. Eligible risks include: Auto Maintenance & Repair Shops Auto Paint & Body Shops Heavy Truck and Tractor Dealers/Repair Mobile Auto Repair Services RV & Trailer Dealers and Repair Shops Motorcycle and Off-Road Vehicle Dealers Non-Franchised Auto Dealers Boat Engine Repair (on land) Emergency Vehicle Sales/Repair Valet Parking Operations Auto Dismantling & Salvage Yards (AZ only) Coverage is currently available in Arizona and California, with some variations in eligible classes by state. Coverage Highlights and Advantages The Dealer & Repair Insurance Program provides robust protection across key exposures: Garage Liability: $1,000,000 per occurrence / $3,000,000 aggregate Garagekeepers Coverage: Heavy trucks and tractors: $150,000 per unit / $500,000 aggregate Mixed auto types: $500,000 aggregate Legal Liability and Direct Primary options available Maximum deductible per loss: $5,000 Property Coverage: Building, contents, and business income Additional Coverages: Signs, glass, E&O for auto dealers Optional Liability Extensions: Part sales, lessor’s risk, mini-marts, and more Vehicle Scheduling: Most business-use vehicles can be listed Whether your client operates a mobile repair service or a multi-location repair shop, this program offers flexibility and depth of protection. Underwriting Notes and Minimum Premiums New ventures are welcome, and underwriting requires a completed Garage Application along with relevant supplements, including: Heavy Vehicle Equipment Service or Tow Operator Questionnaire Owner and mechanic experience overview Building and lot security details Motorcycle/Off-Road Supplement (if applicable) Minimum premium varies depending on risk characteristics and selected coverages. Territories and Availability This admitted program is currently available in: Arizona – Full range of eligible classes California – Select classes, including repair shops, body shops, mobile repair, and RV/trailer dealers Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience in specialty insurance markets. Their Dealer & Repair Insurance Program is built with agent needs in mind, offering flexible underwriting, quick turnaround, and access to admitted markets with strong financial backing. Whether you're placing a startup mobile mechanic or a high-volume heavy truck dealer, Cochrane & Company is ready to help you secure the right coverage for your client. For more information on how to submit a risk or to request a quote, please contact Cochrane & Company today. We look forward to helping you grow your garage-related book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto repair shops, body shops, mobile mechanics, RV and trailer dealers, heavy truck service centers, and non-franchised auto dealers—especially those located in Arizona or California. Is this program available for new business ventures?Yes, new ventures are acceptable. Underwriters will review experience, operations, and security measures as part of the submission process. What coverages are included in the Garagekeepers portion of the policy?The Garagekeepers coverage includes Legal Liability and Direct Primary options, with limits up to $500,000 aggregate depending on vehicle types. Are vehicles used in the business eligible to be scheduled?Yes, most vehicles used in the insured’s operations can be scheduled under the policy, subject to underwriting review. Which documents are required to get a quote?A completed Garage Application is required, along with applicable supplements such as the Heavy Vehicle Equipment or Tow Operator Questionnaire, experience details, and security information. Need help placing an account? Connect with a market specialist.

Make Gorst & Compass Insurance your go-to wholesale source for Garage and Garagekeepers Insurance. As a wholesale broker with access to over 30 "A"-rated carriers, we help agents place both dealer and non-dealer risks with competitive pricing and flexible underwriting. Whether your clients are new ventures or established operations, we offer tailored solutions to match their coverage needs and risk profile. Ideal Accounts and Appetite We target a broad range of garage-related businesses, including: • Garagekeepers – including valet and self-parking operations • Auto service businesses – repair shops, towing services, salvage yards, and service stations • Non-franchised used car dealers and wholesalers • Cargo haulers – particularly those transporting electronics, clothing, or other theft-prone goods Coverage Highlights Garage Insurance Coverages: • Monoline Physical Damage (minimum $1,000 deductible) • Motor Truck Cargo – limits up to $1 million • Garagekeepers Legal Liability • Dealers Open Lot Program Advantages • Fast, responsive quoting and placement • Low minimum premium options (varies by market and risk) • Access to both admitted and non-admitted carrier solutions • Competitive commission structures and flexible underwriting • Will consider new ventures and start-ups Underwriting Notes and Minimum Premiums Underwriting varies by class, limits, and loss history. Typical considerations include the operation’s hours, whether valet or self-park is offered, storage security for dealers open lots, tow practices for hauling risks, and prior claims. Minimum premiums vary by carrier and coverage; we work with markets that offer low minimums for smaller operations and flexible terms for new ventures. Territories and Availability This garage/garagekeepers program is available in California. We place accounts through both admitted and non-admitted carriers to find the best market fit based on the insured’s operations and risk profile. Why Work With Gorst & Compass Insurance With decades of wholesale experience and broad access to top-rated carriers, Gorst & Compass Insurance helps agents compete and win in the garage insurance space. Our underwriting contacts, quick quoting, and willingness to consider new ventures make placement efficient for you and protective for your clients. Example scenarios you can place through this program: • A neighborhood auto repair shop that added valet parking and needs affordable Garagekeepers Liability. • A used-auto wholesaler seeking Dealers Open Lot coverage and physical damage solutions for inventory. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits garagekeepers (including valet and self-parking), service and repair shops, towing operations, salvage yards, and non-franchised auto dealers and wholesalers. Can new ventures qualify for coverage?Yes. Gorst & Compass Insurance considers new ventures and can help place startup garage risks with appropriate markets and terms. Are both admitted and non-admitted carriers available?Yes. We offer access to both admitted and non-admitted carriers and will select the best option based on the risk, limits, and state requirements. What is the minimum premium for this program?Minimum premiums vary by carrier and coverage. We work with markets that offer low minimums to accommodate smaller operations; exact minimums depend on the class of business and limits requested. Is the program available outside of California?At this time the program is available in California. Contact us to discuss potential options or alternative markets for other states. Need help placing an account? Connect with a market specialist.

Overview — International Special Risks: Diving Contractors Insurance Since 1999, International Special Risks has specialized in Diving Contractors Insurance. Recognized by the Association of Diving Contractors International, ISR offers a focused program built around loss prevention, safety, and underwriting expertise for commercial diving operations. Our program combines access to A-rated carriers, nationwide claim handling, and flexible coverage options designed for the specific exposures your diving clients face. Ideal Accounts and Appetite This program is designed for professional commercial diving contractors and related marine contractors, including but not limited to: • Underwater inspection, maintenance and repair contractors • Subsea construction and installation contractors • Salvage and recovery operations • ROV/AUV operators and support contractors • Dive support vessel operators, barge and workboat operations • Inspection, testing and surveying contractors working offshore or inshore We typically place accounts with established safety programs and documented dive procedures. Accounts with frequent or severe loss histories, operations outside accepted industry standards, or activities that fall outside submitted scope may require additional underwriting review or may be declined. Coverage Highlights and Advantages ISR’s Diving Contractors Insurance program bundles marine, liability and employer exposures into a comprehensive offering specifically tailored for diving operations: • Financing options to smooth premiums • A-rated insurance carriers • All non-statutory coverages include basic limits of $1,000,000 • Outer Continental Shelf Lands Act coverage and common extensions • USL&H and Jones Act (Maritime Employers Liability) available • Workers’ compensation structured for diving exposures • P&I and hull insurance for vessels and barges • Equipment insurance including AUVs and ROVs; coverage for rented and leased equipment • Coverage for replacement cost on selected items • Bumbershoot/umbrella capacity and higher limits (up to $100,000,000 available) subject to underwriting approval • Loss of business income and extra expense coverage • Third-party over coverage and action over indemnity (subject to underwriter approval) • Coverage for a full range of vessels — barges, submersibles, DSVs, workboats and more • Worldwide coverage while in transit by any mode of transportation, in the water, or onboard vessels Underwriting Notes and Submission Requirements Safety and loss control documentation are critical — safety manuals, dive plans, ADCI memberships or equivalents, training records and equipment maintenance logs improve placement chances. Claims handling is available nationwide; we coordinate with carriers to streamline incident response. Minimum premiums and final terms vary by account size, operations, and territory — please submit full loss history and operational details for accurate indications. Territories and Admitted Status This program is available in the following jurisdictions: 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 Admitted placements are available in some states; non-admitted or excess placements may be used where appropriate. Territory availability and admitted status can affect terms — confirm at submission. Example Accounts (for agents) You have a regional dive contractor performing pipeline inspections and hull cleaning for commercial vessels — ISR can combine commercial general liability, marine hull/P&I and equipment coverage with USL&H protections. You represent an ROV/AUV operator contracted for offshore surveys — ISR’s equipment and liability modules can be structured to include transit and worldwide operations with limits to meet contract requirements. Why Work With International Special Risks ISR is a Brokerage General Agency with a deep niche focus on diving risks. Since 1999 we have developed specialized underwriting, loss-control partnerships and carrier relationships that translate into competitive pricing, meaningful limits (up to $100M), and broad coverage flexibility. Our team helps agents place complex diving accounts efficiently — from initial appetite guidance to claims support and policy placement. To learn more about ISR’s Diving Contractors Insurance program or to request a quote, submit your account details and loss history to one of our dedicated team members. We’ll help you evaluate coverage options and identify the best placement strategy for your client’s operations. Frequently Asked Questions What types of diving contractors are a good fit for this program?Commercial diving contractors with formal safety programs — such as underwater inspection/repair firms, subsea construction contractors, salvage teams, ROV/AUV service providers and dive support vessel operators — are the core appetite. Strong safety documentation improves placement. Are admitted policies available?Admitted coverage is available in some states. Where admitted capacity is limited, ISR can place non-admitted or excess options. Territory and admitted status depend on the risk and state regulations. What operational documents should I include with a submission?Provide a current loss run, written safety and dive operation manuals, training/qualification records for divers, equipment maintenance logs, and any client contracts that describe scope of work. These materially improve underwriting lead times and terms. Can this program cover ROVs and AUVs?Yes. Equipment insurance for ROVs and AUVs is available, including coverage for rented/leased gear and options for replacement cost on selected items. Transit and worldwide exposures can be included subject to underwriting. How high can limits go on liability and marine modules?ISR offers flexible capacity with limits available up to $100,000,000 depending on the risk, operations, and required coverage layers. Specific limit availability is subject to underwriting and carrier approval. Need help placing an account? Connect with a market specialist.