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Policy Highlights: Auto detailing businesses face exposures that standard commercial policies often do not address. Colonial General Insurance Agency, Inc. offers a specialized Auto Detail Shop Insurance program through its Commercial Garage Department. The program is designed for both fixed-location and mobile detailing operations and helps agents place harder-to-insure garage risks with confidence. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides tailored coverages for businesses that perform vehicle detailing, with options for incidental towing, in-transit exposures, and limited mechanical work. Availability spans multiple Western states and includes both admitted and non-admitted markets where appropriate. Ideal Accounts and Appetite This program works well for a range of detailing operations, including: Standalone auto detailing shops with or without storefronts Mobile detailers who operate on scheduled routes or on-demand Detail shops that also perform light mechanical services Operations with in-transit risk or incidental towing exposure Accounts that commonly fall outside the appetite include high-volume repair garages, full-service body shops, or businesses with major painting and collision operations. Those risks typically require alternative garage or auto repair programs. Coverage Highlights and Advantages Key coverages available through Colonial General’s program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 Aggregate Liability limit Garage Keepers Coverage provided on a primary basis with specified causes of loss Dealers Physical Damage and coverage for False Pretense losses Fire Legal Liability and $5,000 Medical Payments Broadened Coverage Endorsements to address common garage exposures In-Transit Coverage tailored for towing and transport operations Property coverage available for eligible locations and contents Mobile detailing is accepted, offering flexibility for agents placing non-traditional garage operations. Underwriting Notes and Minimum Premiums Every submission is underwritten on its own merits. Colonial General leverages multiple carrier relationships to match risk characteristics to the best available market. Some admitted options are available depending on the state and exposure profile. While minimum premium requirements vary by carrier and state, Colonial General seeks competitive pricing for qualifying accounts and will advise on structure and attachments needed for placement. Territories and Availability This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Agents in these states can access admitted and non-admitted markets to suit client needs. Why Work With Colonial General Insurance Agency, Inc. Colonial General brings targeted garage-market expertise, responsive underwriting, and access to multiple carriers that specialize in garage and auto exposures. Their Commercial Garage Department understands the nuances of detailing operations—both fixed and mobile—and can tailor policy forms and limits accordingly. Example scenarios that are a good fit: A single-bay detailing shop that offers ceramic coatings and occasional customer vehicle storage — you can pursue Garage Liability with Garage Keepers and property coverage. A mobile detailing business operating a fleet of two vans doing scheduled corporate accounts — the program can provide in-transit coverage and liability limits that reflect the fleet exposure. For more details on placement guidelines and available markets, visit Colonial General's company profile or connect with their market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures. Are mobile auto detailers eligible for coverage?Yes. Mobile detailing operations are acceptable and can be underwritten when you provide vehicle schedules, estimated revenue by activity, and details on in-transit handling. Is Garage Keepers coverage included?Yes. Garage Keepers Coverage is available on a primary basis with specified causes of loss; limits and causes of loss are determined by the underwriting review. Which states offer this program?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include options for admitted markets?Some admitted markets are available depending on the risk and the state. Colonial General will help identify whether an admitted or E&S placement is the best path for each submission. Need help placing an account? Connect with a market specialist.

Used Car Dealer Insurance RISC places eligible independent used-car dealers with Zurich’s Unicover VI — an admitted, copyrighted package policy built for the automotive retail industry. Unicover VI combines primary first- and third-party protections into a single, consolidated policy form tailored to dealers whose primary operation is used vehicle sales. RISC’s Used Car Dealer Insurance facility is available only to businesses that principally buy and sell used autos. Product highlights include: Admitted package policy with an integrated structure Multiple coverages available: Auto Inventory Physical Damage Business Auto (Basic Auto) Property with Business Income & Extra Expense Garage Liability Errors & Omissions (E&O) Umbrella Pollution liability Additional optional coverages based on account specifics Policies are offered on a direct-bill basis only Overview — RISC’s Zurich Unicover VI Facility RISC provides agents access to Zurich’s admitted Unicover VI package to place independent used-car dealer risks on a single, dealer-focused policy form. The program is underwritten with dealer exposures in mind — inventory loss, customer autos, garage operations, sales-related E&O, and pollution arising from light service or inspection. Use this facility when you need admitted paper and a consolidated policy that reduces the need to assemble multiple carriers for common dealer coverages. Ideal Accounts and Appetite Primary target: independent used car dealerships where the main business is buying and selling used vehicles. Good fits: single-location dealers with on-site inventory, light inspection and minor repair operations, and standard retail sales activity. Typically not a fit: franchised new-car dealerships, high-volume auction houses, large reconditioning shops with heavy repair exposure, or accounts with frequent major prior losses unless substantial mitigation is documented. Coverage Highlights and Advantages Admitted, package wording that simplifies placement by combining property, inventory physical damage, garage liability, and E&O into one form. Inventory physical damage wording tailored to dealer operations and vehicle holdings. Optional garage liability, sales/service E&O, umbrella follow-form, and pollution coverage linked to common dealer activities. Zurich paper provides recognized capacity and a claims platform for more complex dealer losses. Underwriting Notes and Submission Requirements Principal place of business must be domiciled in one of the eligible states (see Territories below). Required: completed Zurich supplemental application for Unicover VI specific to dealer operations. Required: currently valued loss runs for the prior three years. RISC will consider agency appointments from producers who have an existing book of used auto dealer business and can explain Unicover VI coverage differences compared with other dealer forms. Minimum premium: $1,500. Policies are written on a direct-bill basis only. Territories and Availability This admitted program is available in the following states: AR, MN, MT, NE, ND, OK, OR, SD, TX, UT, WY. Coverage availability and specific terms may vary by state. Why Place This Business Through RISC Access to Zurich’s Unicover VI package for eligible used-car dealers — a specialty product not widely available through standard markets. Dealer-focused underwriting with clear submission requirements, which speeds placement for qualified accounts. Direct-bill handling simplifies premium administration for eligible risks. Example Accounts That Often Fit You might have a single-location independent dealer that holds late-model used inventory, performs light inspections and minor repairs, and needs admitted coverage for inventory physical damage plus garage liability and E&O on one consolidated policy. A growing independent dealer seeking admitted Zurich wording for property, business income, inventory physical damage, and sales-related E&O — willing to provide the supplemental application and three years of loss runs — is another common fit. *This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America. Your policy is the contract that specifically and fully describes your coverage. The description above gives an overview of coverages and does not revise or amend the policy. Insurance coverages are underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company. Certain coverages are not available in all states. Some coverages may be written on a non-admitted basis through licensed surplus lines brokers. RISC is not a subsidiary or an affiliate of Zurich. Frequently Asked Questions What types of used car dealers are eligible for this program?The program is designed for dealerships whose primary business is used vehicle sales. Best fits are independent dealers with on-site inventory, limited repair operations, and retail sales activity. Franchised new-car dealers and large reconditioning operations are generally not eligible. What submission materials are required?Submit a completed Zurich supplemental application for Unicover VI and currently valued loss runs for the prior three years. The principal place of business must be located in one of the program’s eligible states. Is the policy admitted or non-admitted?This facility places admitted Unicover VI package policies with Zurich in the program’s available states. Some optional or ancillary coverages may vary by state. How is premium billed and what is the minimum premium?Policies under this facility are offered on a direct-bill basis only. The program’s minimum premium is $1,500. What does RISC look for when appointing an agency to place this business?RISC prefers agencies with an existing book of used auto dealer business and a clear explanation of how Unicover VI differs from other dealer policy forms. Agencies must complete RISC’s appointment profile, agreement, and related documents. Need help placing an account? Connect with a market specialist.

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U.S. Risk Insurance Group, Inc. partners with an A-rated carrier to offer a competitive workers' compensation market for auto service and repair operations. This program is built for agents who need flexible placement options for garages, repair shops, and mobile service providers across a broad territory. Overview of the Program The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently. Ideal Accounts and Appetite Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations Mobile mechanics and service providers (including limited group transportation exposures) New ventures and insureds transitioning out of PEO arrangements Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing. Coverage Highlights and Advantages Products: Guaranteed cost and dividend plan options (FL dividend plans) Service: Online loss runs to speed underwriting and renewals Payment plans: Direct bill and monthly self-reporting with non-working deposit Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation Underwriting Notes and Key Restrictions $2,000 minimum premium — no stated maximum New ventures eligible Group transportation allowed but limited to no more than five employees per vehicle Lapse in coverage must be referred to underwriting No maximum experience modifier required Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground 24-hour shift work exposure eligible only when it is the sole exposure PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy Limited / Incidental / Cannot be governing state: CA, OK Territories and Availability This program is available through U.S. Risk in the following states: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission. Why Work With U.S. Risk Insurance Group, Inc. on These Risks U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster. Underwriting Checklist — What to Submit Current loss runs (online loss runs accepted) Signed copy of PEO/client contract and amendment when applicable Details on any group transportation, shift work, height or underground exposures Information on lapses in coverage (refer to underwriting) Frequently Asked Questions What types of auto service accounts are a good fit for this program?Brands such as independent repair shops, quick lubes, tire shops, mobile mechanics, and small fleet service providers are a good fit — especially when exposures fall within the stated height, underground, and group transportation limits. Can I place a client coming out of a PEO?Yes. U.S. Risk accepts insureds coming out of PEOs and offers PEO carve-outs. Underwriting requires loss history, a signed PEO/client contract and amendment, and a labor endorsement. What are the payment and servicing options?Agents can offer direct bill or monthly self-reporting with a non-working deposit. Online loss runs are available to simplify underwriting and renewals. Are there minimum premiums or other submission thresholds?The program has a $2,000 minimum premium. Lapses in coverage, tax liens, or bankruptcy require referral and may make the account ineligible. Which states are excluded or restricted?The program is available in the listed states above but has limited/incidental or non-governing state restrictions for CA and OK. Confirm state availability at submission. Need help placing an account? Connect with a market specialist.