CID has identified specific product lines that have been most successful for our brokers. These products represent the highest quote to submission and bind to quote ratios. You will find these products competitively priced and with broad coverage terms.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Auto Restoration

Target Clients:
  • Antique & classic auto services & repairs
  • Body and/or paint shops with a spray booth
  • Auto upholstery shops
  • Auto restoration
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Auto Dealers

Target Clients:
  • Consigned auto sales
  • Regular car, pickup, alternative fuel & electric vehicle sales
  • Golf cart sales
  • Mobile home dealers
  • Emergency vehicle sales
  • Trailer Sales (horse, heavy, travel, utility)
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Garagekeepers’ physical damage
  • Dealers’ physical damage
  • Broadened coverage available
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, OR, TN, TX, UT, WA

Auto Repair Shops

Target Clients:
  • Automotive, motorcycle, boat & heavy vehicle services & repairs
  • Body and/or paint shops with a spray booth
  • Auto upholstery shops
  • Auto restoration
  • Brake & muffler shops
  • Radiator repairs
  • Scooter repairs
  • Tractor/trailer repair
  • Trailer hitch repair
  • Mobile repair
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Auto Service Operations

Target Clients:
  • Full-service car wash
  • Gasoline stations
  • Smog service stations
  • Mobile operations
  • Emergency roadside assistance
  • Frame alignment shops
  • Recreational vehicle & boat storage
  • Car wrap advertisement
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Heavy Vehicle Repair & Sales

Target Clients:
  • Heavy Truck & buses
  • Motorhome & recreational vehicles
  • Farm equipment & tractors
  • Boat engines
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

RV and Motorhome Repair & Sales

Target Clients:
  • RV & Motorhome Repair
  • RV & Motorhome Sales
  • RV & Motorhome Storage
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Garagekeepers’ physical damage
  • Dealers’ physical damage
  • Broadened coverage available
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Motorcycle Repair & Sales

Target Clients:
  • Motorcycles
  • Dirt bikes
  • All-terrain vehicles
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Dealers’ physical damage
  • $300,000 damage to rented premises
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Salvage Yards & Auto Dismantling

Target Clients:
  • Entire lot fenced (min 4 feet in height)
  • No more than 3 autos are stacked
  • Car crushing is allowed with restrictions
  • Pull your own parts: unbolting only
  • New ventures and new ownership eligible
Coverages:
  • Garage Liability
  • Up to $5 million physical damage coverage
  • Broadened garage coverage
  • Additional coverage options
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Tire Dealers & Repair

Target Clients:
  • Sale, service installation, repair of tires
  • Mobile operations are also considered
  • Heavy truck tire repair & service
  • Tires must be less than 5 years old
  • Used tires sold: No greater than 25% of garage operations
  • 3 years hardcopy loss runs
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Workers’ Compesnation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Valet Parking

Target Clients:
  • Valet parking services
Coverages:
  • Garage Liability
  • Broadened garage coverage
  • Garagekeepers’ Legal Liability
  • Property
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA

Wholesale Auto Dealers

Target Clients:
  • Consigned auto sales
  • Regular car, pickup, alternative fuel & electric vehicle sales
  • Golf cart sales
  • Mobile home dealers
  • Emergency vehicle sales
  • Trailer Sales (horse, heavy, travel, utility)
  • New ventures and new ownership eligible
  • Coverages:
Coverages:
  • Garage Liability
  • Garagekeepers’ physical damage
  • Dealers’ physical damage
  • Broadened coverage available
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, OR, TN, TX, UT, WA