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Comprehensive Insurance for Parking and Valet Operators The Parking and Valet Operators Insurance Program from U.S. Risk Insurance Group, Inc. is a specialized solution designed for businesses that handle customer vehicles in any capacity. Whether your client operates a self-parking garage, offers assisted or valet parking, or provides parking services for special events, this program can help protect them from key liability exposures tied to their operations. Ideal Accounts and Target Classes This program is best suited for: Valet parking companies serving restaurants, hotels, hospitals, or event venues Operators of self-parking garages and surface lots Event parking services, including temporary or pop-up parking setups Private parking facility management companies If you have a client who manages a commercial garage in an urban center or a firm providing valet services during large-scale events, this program is designed with their risks in mind. Coverage Highlights and Advantages U.S. Risk offers a broadened ISO-based form tailored specifically for parking and valet exposures. Key coverage features include: General Liability: General Aggregate Limit (per location): $2,000,000 Premises/Operations Limit: $1,000,000 Products/Completed Operations Aggregate: $1,000,000 Personal and Advertising Injury: $1,000,000 Damage to Premises Rented: $100,000 (limits up to $500,000 available for additional charge) Medical Payments: Excluded Garagekeepers Legal Liability: Up to $250,000 per vehicle Up to $1,000,000 per location Policy Aggregate Limit: $5,000,000 Extended coverages are available through the Garage and Valet Parking Operators Coverage endorsement. Optional enhancements include Hired and Non-Owned Auto Liability and Parking Operators Professional Liability. Underwriting Guidelines and Minimum Premium This program features a minimum self-insured retention of $5,000 (except $10,000 for vehicle theft) and a minimum premium starting at $15,000. U.S. Risk underwriters evaluate each risk individually, focusing on operational controls, loss history, and vehicle storage protocols. Territories and Market Access Available in most U.S. states, including CA, FL, TX, NY, IL, and others, this program is written through a variety of carriers with most placements in admitted markets. For a full list of eligible states, refer to the state availability section above. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency, U.S. Risk leverages strong carrier relationships and years of experience in niche commercial programs. Their dedicated underwriting team understands the unique liability and property risks associated with parking and valet operations and is equipped to provide responsive service and customized coverage solutions that help agents succeed in placing hard-to-insure accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for valet parking services, self-park garages and lots, event parking companies, and parking operators managing private or commercial facilities. Is Garagekeepers Legal Liability included in this program?Yes, Garagekeepers Legal Liability is included, with limits up to $250,000 per vehicle and $1,000,000 per location, and a $5,000,000 policy aggregate. Are Hired and Non-Owned Auto and Professional Liability coverages available?Yes, these are available as optional endorsements and can be added to tailor coverage to your client's operations. What is the minimum premium for this program?The minimum premium starts at $15,000, with final pricing determined based on risk characteristics and coverage selections. In which states is this program available?The program is available in most U.S. states, including all major markets such as California, Texas, Florida, and New York. Need help placing an account? Connect with a market specialist.

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Policy Highlights for our Auto Service Risk program: Colonial General Insurance Agency, Inc. offers a specialized Auto Service Risks Insurance program designed for a wide range of automotive-related businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General connects independent agents and brokers with tailored coverage solutions through various carrier partners. This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted markets accessible depending on the risk and location. Ideal Accounts and Appetite This program is built for small to mid-sized auto service businesses with property and liability exposures. Eligible classes include: Auto repair and service shops Quick lube and oil change facilities Car washes (full-service or self-service) Gasoline stations with repair bays Self-service gas stations Tire dealers and installers Public parking garages and lots Automobile storage facilities If you have a client operating a busy auto repair shop in Utah with multiple service bays and valuable on-site equipment, or a tire dealer in Arizona looking for comprehensive liability and property coverage, this program may be a strong fit. Coverage Highlights and Advantages Property Coverage: Accounts Receivable Auto Service Risks Market Segments Endorsements (optional) Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment and Valuable Papers Equipment Breakdown Inland Marine Outside Signs Replacement Cost or Actual Cash Value options General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included Hired and Non-Owned Auto Liability up to $1 million per occurrence Additional Interest endorsements available Excess and Umbrella limits available up to $25 million Crime Coverage: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Property Inside Premises Outside the Premises coverage Optional crime coverage via Market Segments Endorsement Underwriting Notes and Minimum Premiums Colonial General evaluates each submission on a case-by-case basis. While the program is flexible, accounts with poor loss history or major structural issues may not be eligible. Minimum premiums vary depending on the class of business, coverage selected, and state, so it's best to submit complete applications for accurate pricing. Territories and Availability This Auto Service Risks Insurance program is currently offered in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets are admitted, while others are accessed on a non-admitted basis depending on the risk profile and location. Why Work With Colonial General? With decades of experience serving the Western U.S., Colonial General understands the unique risks auto service businesses face. The agency offers responsive service, underwriting expertise, and access to multiple carrier options. Whether you are placing a single-location repair shop or a multi-unit car wash operation, Colonial General can help you find competitive and comprehensive coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Auto repair shops, tire dealers, car washes, quick lube centers, and service stations with repair bays are ideal candidates. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program offer both property and liability coverage?Yes, the program offers property, general liability, crime, and inland marine on a mono-line or package basis. Are excess or umbrella limits available?Yes, excess or umbrella coverage is available with limits up to $25 million. Can I get coverage for equipment breakdown and outside signs?Yes, both equipment breakdown and outside signs are available under the property coverage options. Need help placing an account? Connect with a market specialist.

Policy Highlights for Shopping Center Insurance: Colonial General Insurance Agency, Inc. offers a focused Shopping Center Insurance program for lessor’s risk exposures at strip and neighborhood shopping centers. The program supports monoline or packaged placements and provides flexible options so you can tailor coverage to property owners who lease space to multiple tenants. To be eligible, centers should have a minimum of five retail units and at least 25,000 square feet of automobile parking at each location. These requirements keep the program aligned with larger, higher-traffic retail properties that benefit from broader property and liability protection. Ideal Accounts and Appetite This program is aimed at owners and investors of strip malls and neighborhood shopping centers with a mix of tenants such as dry cleaners, quick-service restaurants, salons, convenience stores, and specialty retailers. Typical accounts are lessor’s risk exposures where the insured maintains the buildings and common areas and leases space to third-party operators. Primary territory: AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General is particularly active in the Southwestern and Mountain West markets and can consider admitted or non-admitted placements depending on the specific risk profile. Example accounts you can place: A retail plaza anchored by a grocery store with multiple inline tenants, where the owner needs building, business income, and liability protection for common areas. A regional investor with several neighborhood centers across the Southwest seeking a consistent program for multiple locations, with options for higher limits and excess coverage. Coverage Highlights and Advantages Property Coverage: • Building coverage on a Replacement Cost or Actual Cash Value basis • Basic, Broad, or Special Form available • Business Income and Equipment Breakdown • Accounts Receivable and Valuable Papers • Computer Equipment and Contents • Coverage for Outside Signs Commercial General Liability: • Primary limits up to $3,000,000 Occurrence / Aggregate • $5,000 Medical Payments included • Additional interests available for $100 each • Excess/Umbrella capacity available (up to $25,000) • No deductible required for GL Crime Coverage: • Inside the Premises – Theft of Money & Securities • Inside the Premises – Robbery or Safe Burglary of Other Property • Outside the Premises coverage available Underwriting Notes and Minimum Premiums Colonial General works with a panel of admitted and non-admitted carriers to provide flexible underwriting solutions. Minimum premiums vary based on center size, location, construction, tenant mix, and loss history. Provide full property details and a complete tenant schedule with rent structure to help expedite placement and receive accurate terms. Territories and Availability This program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on location and exposure; non-admitted options are accessible through Colonial General’s market access for more complex or higher-limit accounts. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker with deep experience in commercial property across the Western U.S., Colonial General offers responsive underwriting, broad market access, and flexible package options. Their team is familiar with complex retail exposures and can help you structure coverage for lessor’s risks, coordinate excess limits, and place accounts that need admitted or E&S solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Shopping centers with at least five retail units and a minimum of 25,000 sq. ft. of parking. Common tenants include dry cleaners, restaurants, convenience stores, and service-oriented retailers. Is this program available on an admitted basis?Some admitted markets are available depending on the risk and location. Colonial General also places accounts with non-admitted carriers when needed to secure capacity or higher limits. Can I write monoline coverage or does it have to be a package?Both monoline and package options are available, so you can tailor the policy structure to your client’s exposures. What are the minimum premium requirements?Minimums vary by center size, construction, tenant mix, and location. Contact Colonial General with full property and tenant details for underwriting guidance. Which states is this program available in?This Shopping Center program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.