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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.

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.

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.

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.

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.

The IPMG Garage Insurance Program is designed with independent agents in mind. We understand the unique challenges you face when placing Garage risks, and our specialized team is here to support you every step of the way. Whether you're working with established clients or pursuing new business, our program offers the flexible underwriting, competitive markets, and expert service you need to succeed. Ideal Accounts and Appetite IPMG provides access to markets that can handle a wide range of garage-related operations. Our appetite includes, but is not limited to: Dealers Open Lot Heavy Vehicle Sales and Service Motorcycle and Off-Road Vehicle Dealers Salvage Yards Valet Parking Services If you're working with clients in these industries, we have the tools and carrier partnerships to help you place that business effectively. Coverage Highlights and Advantages Our Garage Insurance Program provides a broad range of coverages tailored to meet the risks of the automotive service and sales sector. With access to strong markets such as Colony and Catlin, we can offer competitive solutions for both standard and hard-to-place risks. Coverage options typically include: Garage Liability Garagekeepers Legal Liability Dealers Physical Damage Premises Liability Property and Inland Marine Please note that coverage availability and structure will vary based on account details and underwriting requirements. Underwriting Notes and Minimum Premiums Our Garage Insurance markets are available on a non-admitted basis, with some admitted options based on risk and state. The minimum premium starts at $500, making this an accessible solution for smaller accounts and start-ups as well as larger, more complex operations. We work closely with brokers to understand their clients' operations and find the right market fit—whether it’s a small used car dealer or a large commercial truck repair facility. Territories and Availability IPMG’s Garage Insurance Program is currently available in Illinois and Missouri. We are focused on serving agents in these regions with localized expertise and responsive support. Why Work With IPMG? Service is a top priority for the IPMG Garage Insurance team. Our trained professionals listen to your needs and offer solutions that support your client relationships. We value the strength of local partnerships and strive to enhance your existing book while helping you develop new opportunities. With IPMG, OUR markets are YOUR markets. Let us help you write more business and grow your Garage Insurance portfolio with confidence. Contact Matt Becker Surplus Lines Practice Leader 630-485-5952 [email protected] April Cook Brokerage Service Underwriter 314-293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG's Garage Insurance program?We target a wide range of garage risks, including auto dealers, heavy vehicle service centers, motorcycle dealers, salvage yards, and valet services. Is the program admitted or non-admitted?Some admitted markets are available, but most of our Garage Insurance business is placed through non-admitted carriers. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for both small and mid-sized accounts. Which states is the program available in?This Garage Insurance program is currently available in Illinois and Missouri. Who can I contact for underwriting questions or submissions?You can reach out to Matt Becker or April Cook at the contact details listed above for assistance with submissions or underwriting inquiries. 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.

Commercial Watercraft Insurance Program from J.M. Wilson If you place commercial watercraft accounts, J.M. Wilson offers a flexible, market-focused Commercial Watercraft Insurance program. As a General Agency and Excess & Surplus Lines broker, we provide access to a broad panel of admitted and non-admitted carriers to help you place both standard and hard-to-place marine risks. Whether the account is a single commercial fishing boat, a seasonal rental fleet, or a high-speed charter operation, our underwriting relationships and program tools can help you secure coverage. Ideal Classes and Account Types Runabouts and commercial fishing vessels Cruisers, houseboats, and sailboats used commercially Pontoon, tritoon and inflatable watercraft (including rentals) Personal watercraft (PWC), high-performance vee and catamarans Hovercraft and airboats Homemade, kit-built, and mini sport boats Storage, transit, salvage and repair facilities Seasoned yachts and commercial marine units Rental units and small charter operations You might have a client who rents pontoon boats for summer weekends, or a marina that operates a handful of high-speed charter vessels. J.M. Wilson’s program can help you find admitted or non-admitted capacity for both scenarios, subject to underwriting. Coverage Features and Highlights Available for watercraft with speeds up to 120 mph (subject to underwriting) Multiple settlement options to fit different risk profiles Accepts a range of higher-risk operations with appropriate underwriting Diminishing deductible feature available for risks with speeds = 65 mph Broad navigational territory options No layup restrictions for seasonal use in many cases Optional coverage for primary fishing equipment and boat lifts Note: Not all features are available for every risk. Underwriting review applies. Discount Opportunities Multi-unit and fleet policies Operator experience and training Use of approved safety and navigation equipment Diesel-fueled craft eligibility Outboard propulsion systems Primary operators aged 40 and older Territory and Availability This program is available in the following states: AL, AZ, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Depending on the account and jurisdiction, both admitted and non-admitted options may be available. Underwriting Notes and Placement Guidance Underwriting review is required for higher-speed craft, rental operations, and non-standard or kit-built vessels. Provide complete loss history, operator experience, and details on safety equipment and maintenance practices to speed placement. For fleet accounts, compile unit schedules, typical operating territory, and any training or screening procedures for operators. Why Work with J.M. Wilson? With decades of experience in the E&S and general agency space, J.M. Wilson brings specialized marine underwriting knowledge and broad carrier access. Our team focuses on practical solutions for complex accounts—combining admitted and non-admitted options to help you place accounts other markets may decline. From submission intake to binding and policy issuance, we support brokers with responsive underwriting and market placement tools. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial clients who own or operate watercraft such as fishing boats, rental pontoons, high-speed vessels, and small charter operations. Can you write high-performance or high-speed watercraft?Yes. Coverage is available for watercraft that operate at speeds up to 120 mph, with specific underwriting guidelines applied based on vessel type and use. Are rental operations eligible?Yes. Rental units and rental operations are eligible under this program, subject to underwriting approval and documented operator screening and safety measures. Is this program admitted or non-admitted?We can offer both admitted and non-admitted options depending on the risk profile and state regulations; availability is determined during underwriting. In which states is this program available?We currently offer this program in AL, AZ, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. 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.