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... renewals for repair shops, retail tire stores, quick lube centers and other s... suited for auto repair shops, retail tire and parts stores (new parts only), quick lube cente...

...gency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive busines...ates is this program available in?The Tire Dealers Insurance Program is offere...

... the needs of independent grocery stores, convenience stores, and small food retailers. This progr...re feet?This program is designed for stores 3,000 square feet or less. Larger ...

...oarding and breeding kennels, pet stores, grooming salons, training facilities...arding kennels, animal shelters, pet stores, and dog training facilities that ...

... restaurants, salons, convenience stores, and specialty retailers. Typical acc...y cleaners, restaurants, convenience stores, and service-oriented retailers. I...

...es such as utility hook-ups, camp stores, pools, or organized activities are a...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Warehouse Insurance program for public and private warehouse operations, including mini-warehouses. With access to multiple admitted and non-admitted markets across the Western U.S., this program helps agents place comprehensive liability, property, and crime coverage tailored to warehouse exposures. Overview of the Program From Colonial General This Warehouse Insurance program is structured to provide Property and Commercial General Liability coverage on a monoline or package basis. Whether your insured operates a small private storage facility or a larger public warehouse, Colonial General combines underwriting expertise with market access to place accounts that need flexible terms and broad coverage. Ideal Accounts and Appetite Target classes include: Public warehouse operators Private storage facilities (including mini-warehouses) Logistics and distribution centers Facilities with incidental office or light manufacturing exposures Preferred risks typically have clear risk-management practices, documented security and inventory controls, and well-maintained premises. Risks involving significant hazardous materials, heavy manufacturing operations, or large cold-storage inventories may be outside the program's appetite or require specialty placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments included Excess or Umbrella limits available up to $25,000,000 No deductible required for GL in many markets Crime Coverage: Theft of money and securities (inside the premises) Robbery or burglary of other property (inside the premises) Coverage for losses occurring outside the premises Property Coverage: Building and contents (usually for private warehouses) Business income and equipment breakdown Accounts receivable and valuable papers Computer equipment and inland marine for stored goods/movable equipment Outside signs Replacement cost or actual cash value options Forms available: Basic, Broad, or Special Underwriting Notes Colonial General works directly with agents to structure competitive quotes and appropriate coverage. Underwriting reviews generally focus on inventory controls, security and surveillance, fire protection, and tenant/occupancy exposures. Minimum premium requirements vary by carrier and state; agents should expect variability depending on the specific market selected. Territories and Availability This program is available to licensed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets within the program are offered on an admitted basis, while others are placed non-admitted when needed to secure capacity. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents access to a broad panel of underwriters experienced with warehouse exposures. Their strengths include responsive underwriting, flexibility between admitted and non-admitted markets, and tailored program placement for complex or specialized risks. Example scenarios that fit well: You have a mid-sized private warehouse in Colorado storing consumer goods with controlled access and sprinkler protection — Colonial General can help package property, business income, and liability in one submission. An agent needs liability and excess limits for a public storage operator in California with moderate inventory values and robust security procedures — the program can provide higher GL and umbrella capacity. To review carrier appetite, submission requirements, or to start a quote, visit Colonial General’s company profile. Frequently Asked Questions What types of accounts are a good fit for this Warehouse Insurance program?This program is ideal for public and private warehouse operations, including mini-warehouses, logistics centers, and storage facilities that handle non-hazardous goods. Is this coverage available on an admitted basis?Some markets are available on an admitted basis, depending on the state and risk characteristics. Colonial General also uses non-admitted carriers when admitted capacity is not available or when higher limits are needed. Can I get coverage for both liability and property in one policy?Yes. Policies can be written on a monoline or package basis, allowing you to combine General Liability and Property coverage to meet your client's needs. Are contents covered for both public and private warehouses?Contents coverage is commonly available for private warehouse risks. For public warehouses, contents options depend on the carrier and the specific exposure; discuss the inventory handling and lease arrangements with the underwriter. What states is this program available in?The Warehouse Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...orcycle and RV servicing shops Tire dealerships, lube and oil change cente...r shops, lube and oil-change centers, tire dealers, muffler and transmission s...

...ems or purchase goods for resale. Stores with inventory, safes, and solid loss...

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