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... handling more complex tasks like window washing or crime scene cleanup, or pr...ractors performing general cleaning, window cleaning, interior construction prep, or c...

...on program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee ex...ed Questions What types of maid and cleaning accounts fit this program?We target house cleaning, laundry, carpet cleaning, and similar janitorial operation...

Carpet cleaning companies face unique liability expo...ng it accessible for smaller carpet cleaning operations. Need help placing a...

Window and door installers face a unique mix... program?Small to mid-sized door and window installation contractors with unde...

...ideal for contractors engaged in cleaning, sweeping, paving, seal coating, str...involved in parking lot or driveway cleaning, sweeping, paving, seal coating, ...

...nd personal belongings General cleaning, sanitization, and deodorization C...onment—tasks such as trash removal, cleaning, painting, and minor repairs. Is ...

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...om cabinets, fabricates doors and windows, or manufactures furniture, this pro...hat manufacture or install doors and windows. Is this program available on an ...

Policy Highlights: Brake and muffler shops face a unique set of risks due to the nature of their operations, including customer vehicle damage, employee injury, and liability exposures. Colonial General Insurance Agency, Inc. offers a specialized Brake and Muffler Shop Insurance program designed to address these challenges head-on—helping you place business confidently and efficiently. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to flexible commercial garage coverage tailored to the specific needs of brake and muffler repair businesses. Whether your client operates a stand-alone brake shop or a full-service muffler facility, this program is built to help you secure the right protection for their unique exposures. With access to both admitted and non-admitted markets, Colonial General can support a wide range of placements across the Western U.S. Ideal Accounts and Appetite This program is ideal for: Independent brake and muffler repair shops Small to mid-sized garage operations offering exhaust system services Shops providing towing services or vehicle pickup and delivery Accounts with established safety procedures, clean loss history, and well-maintained facilities are especially attractive. This program is not intended for heavy truck repair shops or full auto body collision centers. Coverage Highlights and Advantages The Brake and Muffler Shop Insurance program includes: $3,000,000 Liability Aggregate $5,000 Medical Payments Broadened Coverage Endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garage Keepers Coverage on a Primary basis with specified causes of loss Garage Liability Limits up to $1,000,000 per accident In-Transit Coverage for Towing Operations Property Coverage Available These options allow you to customize policies to suit the risk profile of each client, whether they handle customer vehicles overnight, operate in high-traffic areas, or offer roadside services. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to find appropriate coverage solutions. While minimum premium requirements vary by market and risk profile, the underwriting team seeks partners who present clean operations, sound maintenance practices, and compliance with industry safety standards. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may be serviced through surplus lines carriers depending on the risk. Why Work With Colonial General? Colonial General brings decades of experience in placing niche commercial auto-related risks. Their team understands the operational exposures faced by brake and muffler shops and provides responsive underwriting support to help agents close business faster. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your clients’ needs. Whether you're quoting a single-location brake shop or a regional muffler service with multiple vehicles, Colonial General can help you find the right fit. You can explore the full program details and start the submission process by visiting their program page. Frequently Asked Questions What types of accounts are a good fit for this program?Independent brake and muffler repair shops, especially those with clean operations and minimal claims history, are ideal candidates for this program. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss, offering protection for customer vehicles in the shop's care. Are towing operations covered?Yes, In-Transit Coverage for Towing Operations is included, making this program a strong fit for shops that offer pickup or roadside assistance. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and risk characteristics. Need help placing an account? Connect with a market specialist.

...tmakers, furniture manufacturers, window and door shops, millwork operations a...ns — cabinetmakers, furniture shops, window and door fabricators, and install-...