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Commercial Auto Coverage

Our underwriting team has a wealth of experience providing Non-Dealer’s Garage Liability and Excess Auto coverage solutions for difficult-to-insure businesses.

With Aspera, you will receive a customized underwriting process to deliver competitive solutions fast.

We deliver a quote within 48 hours for 75% of the submissions we receive!

Non-Dealers Garage Liability

Target Classes

  • Alarm installation and repairs
  • Automotive glass replacement and glass tinting
  • Automotive oil changes and lubrication shops
  • Body & paint shops
  • Construction & farm equipment service
  • Dry-docked boat services
  • Full-service car wash and car detailing
  • Gas station with repair operations
  • General automotive repair and service
  • Mobile auto detailing
  • Mobile mechanic and roadside assistance
  • Valet parking on insured’s premises

Policy Structure

  • Full Garage Liability for non-dealer service and repair operations with Garagekeepers coverages
  • Occurrence basis of coverage
  • Employee Benefits Liability
  • Stop Gap Liability
  • Minimum premiums starting at $1,500
  • Deductibles starting at $500 for “Covered Autos,” “Other Than Covered Autos,” and Garagekeepers

Excess Auto Liability

Target Classes

  • Standalone Excess Auto
    • Appliance delivery
    • Contractor auto fleets
    • Energy/oil & gas auto fleets – includes tractor trailer fleets
  • Trucking
    • Short or long haul trucking
    • New ventures
    • For-hire trucking
  • Tractor trailer fleets
  • Last mile package delivery or courier services
  • Pilot car services

Policy Structure

  • $5,000,000 capacity
  • Follow-Form excess policy

Underlying Requirements

  • $1,000,000 Combined Single Limit

Additional Submission Requirements

  • Underlying Auto Liability terms and, when applicable, General Liability terms
  • Auto fleet breakout by vehicle type, including radius of operations and commodities hauled
    • ­­Year, make, model, and 17-digit VIN# also required
  • MVRs for drivers operating a scheduled auto


You can get coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 12.5% commission on new and renewal commercial accounts
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance application
  • Appropriate product application (Garage Liability or Excess/Umbrella) with a complete description of operations
  • Supplemental application where appropriate, signed and dated by the insured when bound
  • Five-year currently-valued loss runs with a description provided for losses over $25,000 (Garage) or $100,000 (Excess)
  • Website information
Send a Submission
Printable Commercial Auto Information
View our Appetite Guide

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
LeAn Hatch, Senior Underwriter
(804) 774-2108