Colony Specialty’s Garage Division provides both admitted and non-admitted garage products through wholesale general agents. This segment provides products designed to cover a wide range of auto dealer and auto service operations on the traditional garage coverage form. Dealers include operations involved in selling new or used autos, trailers, recreational vehicles, motorcycles and off-road vehicles. Repairs/service includes operations involved in auto and specialized vehicle service/repair, towing, salvage yards and valet parking.
Coverage Highlights
Basis of coverage
Occurrence
Coverage available
- Garage liability
- Garagekeepers
- Dealers’ physical damage
- Medical payments/personal injury protection
- Uninsured motorist/underinsured motorist
- Building, contents and income (available on non-admitted paper)
Optional coverage available
- Broadened coverage
- Drive other car
- Errors and omissions for dealers
- False pretense
- Fire legal liability
- Identity recovery
- On-hook towed vehicles
- Registration plate
- Related operations for certain liability classes such as parts sales or mini marts
Coverage Limits
Garage liability $1 million each accident with $3 million aggregate, sum of TIV for garagekeepers, dealers’ physical damage and property $15 million
Appetite & Availability
Targeted classes
- Alarm installation
- Antique/classic auto dealers
- Antique/classic auto restoration
- ATV sales and service
- Auctions
- Boat sales and service (no water exposure)
- Body and paint shops
- Construction equipment sales and service
- Detailing (shop and mobile)
- Dirt bike sales and service
- Dune buggies/sand rails sales and service
- Emergency vehicle sales and service
- Farming equipment sales and service
- Gasoline stations with repair operations
- Go-kart sales and service
- Golf cart sales and service
- Mobile mechanics
- Mobility equipment sales and installation
- Moped/scooter sales and service
- Motorcycle sales and service
- Motor home/RV/camper sales and service
- Roadside assistance
- Salvage operations
- Snowmobiles sales and service
- Storage facilities/lots
- Tow truck operators
- Trailer sales and service
- Truck tractor/semi-trailer sales and service
- Upholstery shops
- Used car/truck dealers
- Valet parking services
- Wholesale auto dealers
- Window tinting shops
Excluded classes
Detailed in risk selection guide
Geographic availability
United States
Additional Information
Distribution
Exclusive to appointed general agents
