Colsa Advantage, Beyond Insurance

Our agency specializes in tailored insurance solutions for garages and dealerships, offering comprehensive coverage to protect your property, vehicles, employees, and inventory. With personalized service, industry expertise, and a commitment to fast claims processing, we ensure you get the right protection while keeping costs affordable. We're dedicated to safeguarding your garage or dealership and helping your business thrive.​
Product Contact
281-815-2003
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Garage programs:

  • Air-Conditioning Service
  • ATV Dealers
  • Auto Brake Installation, Wheel Alignment, Shocks and Struts Repair
  • Body Repair and Collision Shop
  • Dealers Open Lot Program
  • Detail Shop, Pinstriping and Waxing
  • Electrical Repair and Installation
  • Exhaust System Repair
  • Franchised Auto Dealers Package Program
  • Franchised New Car Dealerships
  • Franchised New Motorcycle Dealerships
  • Franchised New Truck Dealerships​
  • General Repair
  • Glass Installation
  • Large Non-Franchised Dealers
  • Oil Change and Lubrication
  • Painting and Pinstriping
  • Rustproofing, Undercoating and Glazing
  • RV Dealers
  • Sound and Communications Equipment Repair and Installation
  • Sunroof Repair and Installation
  • Transmission Repair and Installation
  • Tune-up and Emission Testing
  • Upholstery and Tops Repair and Installation​

​We offer comprehensive insurance packages specifically designed to meet the unique needs of the Garage and Auto Industry. Special features and coverages including, but not limited to:

  • General Liability​
  • Property
  • Inland Marine Coverage
  • Auto Dealers Liability
  • ​Comprehensive and Collision
  • ​Dealers Physical Damage
  • ​Dealers Driveaway Collision
  • E&O Enhancements
  • Title E&O
  • Odometer Alteration Liability
  • Auto Damage Disclosure
  • Auto Parts Disclosure
  • Used Car Buyer's Guide Disclosure
  • ​Legal Defense and Product-Related Damages
  • Blanket Garagekeepers Comprehensive
  • Garage Identity Theft Vicarious Liability
  • False Pretense Coverage for Stock
  • Employment Practices Liability Insurance
  • ​Workers Compensation​​

Additional Coverages and Limits:

  • General Liability ($1M / $2M)
  • Excess Liability (limits up to $10M)
  • Inland Marine (limits up to $10M)​
  • Hired / Non-Owned Auto Liability and Physical Damage
  • Utility Services Time Element
  • Equipment Breakdown
  • ​BI / EE - Actual Loss Sustained
  • Employee Tools, EDP, Account Receivable and Valuable Papers
  • Crime Including Computer and Funds Transfer Fraud
  • Cyber Liability
  • ​False Pretense
  • Economic Loss
  • Site Specific Pollution Liability
  • Weather Reimbursement
  • Economic Loss
  • 10-Day Spot Delivery Coverage
  • Stated Amount Coverage Available
  • Lease Returns Covered
  • Impending Damage
  • Towing / Storage Sub-Limits
  • Watercraft Physical Damage
  • Paint-Less Dent Repair Discounts
Coverage(s) described may not be available in all states / areas and are subject to Underwriting. Coverage(s) descriptions are abbreviated and are subject to policy terms, conditions, limitations, and exclusions. If there is any conflict between the coverage(s) descriptions within this page / website and the actual insurance policy, the policy provisions will prevail.  Certain coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.