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Specialized coverage for preferred classes of business
in the Automotive Aftermarket industry

Instant quotes. Competitive rates. Comprehensive coverage.

Arrowhead’s Express Package program provides specialized commercial insurance coverage with decades of industry experience, formerly written by Universal Underwriters. Offer your clients a commercial package with an Admitted A+ (XV) rated carrier by A.M. Best. This garage package policy includes Property/GL, Commercial Auto and Commercial Umbrella. Accounts of all sizes are considered.




Why choose Arrowhead?

Ease of business. All new business accounts up to $125,000 can be submitted through our secure online quoting portal, www.ArrowheadExchange.com. For all new business accounts over $125,000, email the following documents to AftermarketProgram@ArrowheadGrp.com. Quotes up to $50,000 are provided in seconds; plus, you can review information like transaction history, policy output, marketing tools, and servicing resources.

Industry Expertise. Our team of professionals have thorough underwriting and risk management experience unique to the automotive aftermarket industry. With a deep understanding of garage exposures and the need for proper coverage, we can entertain incidental towing, used auto sales, loaner vehicles and much more.

Comprehensive Coverage. Most commercial packages offer the option to provide a small sub-limit for Employee Tools. This coverage is automatically included in the Property limits of our policy. Mechanics E&O and Actual Loss Sustained are also included on every policy at no additional cost.

Helpful Service. Our customer service, marketing, underwriting and technical support teams are dedicated to our producer base. Even in the event of a claim, policyholders can feel at ease with an ASE Certified technician to fully understand their unique situation.

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Key coverage highlights

  • Property and General Liability

    • Garage and General Liability
      • Mechanics E&O (no additional cost)
      • Employee Benefits liability
    • Building Income and Extra Expense – Actual Loss Sustained
    • Equipment Breakdown Protection
    • Building and Business Personal Property
      • Includes foundation and glass
      • No coinsurance provisions
      • Coverage for vacant land and leased properties
      • Employee Tools, Exterior Signs, Ordinance or Law, Demolition Costs and Debris Removal
      • Crime – Employee Dishonesty, Forgery or Alteration
      • Customer Complaint Defense option

    Commercial Auto

    • Business auto liability and physical damage
    • Garage keeper’s liability (direct or legal liability basis)
      • Blanket Waiver of Subrogation available
    • Dealer/Repair/Transport tags




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Targeted classes

  • General automotive repair
  • Auto body & collision repair
  • Retail tire stores
  • Auto parts & accessories stores (new parts)
  • Oil & lube shops
  • Brake, transmission and muffler shops
  • Auto glass repair/installation
  • Vehicle sound/alarm system installation



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800.669.1889 x 8733