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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.

Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier. Overview of the Program from Amwins Underwriting This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include: Commercial General Liability Automobile Liability (including pollution-contaminant liability on autos) Pollution liability (operations-related) Excess/Umbrella limits to broaden protection Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper. Ideal Accounts and Appetite This program is a strong fit if your client meets the following: At least 75% of gross receipts are from demolition-related activities. Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods. Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts). Examples of good-fit accounts: A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling. A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting. Underwriting Notes and Restrictions Minimum premium: $10,000 for General Liability. Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others. Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded. Inspections and loss control reviews are commonly required for new and renewal accounts. Coverage Advantages Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace. Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program. Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class. Territories and Availability Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences. Why Place This Business with Amwins Underwriting As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts. Frequently Asked Questions What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts. Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting. What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts. Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out. 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.

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.

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.

A vehicle title bond is an essential tool for clients who have purchased or inherited a vehicle but cannot provide a valid, original title. Surety One, Inc. offers a flexible, nationwide Title Bond program designed to help insurance agents and brokers serve individuals facing lost, defective, or incomplete vehicle titles. This surety solution enables your clients to obtain a clean title and register their vehicles legally. As a managing general agency with deep expertise in surety, Surety One, Inc. makes it easy to place this business — even on short notice. Ideal Accounts and Appetite This program is ideal for: Private-party vehicle purchasers who never received proper title documents Inherited vehicles with no clear title history Rebuilt or salvaged vehicles needing a bonded title to re-register Vehicles with suspected or unknown liens that require indemnification Most personal and light commercial vehicles are eligible. Title bonds are typically written regardless of credit standing, making this a fast and accessible solution for difficult-to-place clients. Coverage Highlights and Advantages Bond amounts generally set at 1x–2x the vehicle's fair market value, depending on state regulations Available for motor vehicles, motorcycles, mobile homes, trailers, and more Clears known or unknown liens to facilitate the issuance of a clean title Freely written in most states without a credit score requirement Fast, no-obligation quote process with no upfront application fee Each state applies its own rules for determining bond penalties and eligibility. Surety One, Inc. provides detailed state-specific guidance to help you navigate these differences with ease. Click on your client's state below to view exact requirements: Title Bond (Alabama) Title Bond (Alaska) Title Bond (Arizona) Title Bond (Arkansas) Title Bond (California) Title Bond (Colorado) Title Bond (Connecticut) Title Bond (Florida) Title Bond (Georgia) Title Bond (Illinois) Title Bond (Michigan) Title Bond (Minnesota) Title Bond (Mississippi) Title Bond (Missouri) Title Bond (Montana) Title Bond (Nebraska) Title Bond (Nevada) Title Bond (New Mexico) Title Bond (New York) Title Bond (North Carolina) Title Bond (Tennessee) Title Bond (Texas) Title Bond (Utah) Title Bond (Washington) Title Bond (Wisconsin) Title Bond (Wyoming) Underwriting Notes and Minimum Premiums Surety One, Inc. writes title bonds on a non-admitted basis and typically does not require a credit review. The application process is streamlined, and quotes are provided at no cost. Minimum premium requirements may vary by vehicle and jurisdiction but are generally accessible for most consumer-level risks. Territories and Availability This program is available in nearly all U.S. states, including 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, and WY. Why Work With Surety One, Inc.? Surety One, Inc. is a trusted national MGA specializing in surety bonds. Their expertise in title bonding allows you to quickly and confidently place business for clients who need help resolving title issues. With consistent underwriting, fast turnaround, and no-cost quoting, this program is a valuable tool in your service arsenal. Vehicle title bonds are generally freely written without credit review. Surety bond application review and quoting are free of charge. There is no obligation to purchase. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals who purchased vehicles without receiving proper title documentation or those who need to clear potential liens on inherited or salvaged vehicles. Do you require a credit check for title bond approvals?No, most vehicle title bonds are written freely without a credit check, making the process fast and accessible. How quickly can I get a quote for my client?Quotes are typically provided quickly after submission, with no cost or obligation. Surety One, Inc. prioritizes fast turnaround on all title bond submissions. Is this program available in all states?The program is available in most U.S. states. However, title bond requirements vary by state, so it's important to review the specific guidelines for your client's location. Can this bond be used for mobile homes or trailers?Yes, the program can accommodate a wide range of vehicle types, including mobile homes and trailers, depending on state regulations. 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.

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.