Legal

Terms of Use

Color Glo Franchise Insurance Program — Operated by The Southern Agency, Inc.

Last updated: January 2025

1. Acceptance of Terms

By accessing this website, you agree to be bound by these Terms of Use. This website is operated by The Southern Agency, Inc. to present the Color Glo Franchise Insurance Program. If you do not agree to these terms, please do not use this website.

2. Description of Services

This website provides information about insurance coverage options relevant to Color Glo franchise operators. The Southern Agency, Inc. is an independent insurance agency. Nothing on this website constitutes a binding offer of insurance coverage. All coverage is subject to individual underwriting review, carrier approval, and policy terms, conditions, and exclusions.

3. No Guarantee of Coverage

The information provided on this website is for general informational purposes only. Coverage descriptions, limits, and premium information are illustrative and do not guarantee any specific coverage, pricing, or availability. Actual coverage is determined by the terms of the policy issued by the insuring carrier.

4. Franchise Agreement Compliance

Purchasing insurance through The Southern Agency does not automatically satisfy all requirements of your Color Glo franchise agreement. Franchise owners are responsible for ensuring their coverage meets all obligations under their individual franchise agreements. Color Glo International, Inc. is not an insurer, broker, or underwriter.

5. Intellectual Property

The Color Glo International name, logo, and related marks are trademarks of Color Glo International, Inc. and are used on this website solely to identify the franchise system for which The Southern Agency provides insurance services. The Southern Agency makes no claim to ownership of Color Glo International trademarks.

6. Limitation of Liability

The Southern Agency is not liable for any damages arising from your use of or reliance on information provided on this website. The site is provided "as is" without warranties of any kind.

7. Contact

Questions about these Terms of Use may be directed to: ColorGlo@TheSouthernAgency.com or (800) 777-1872.

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Color Glo Franchise Insurance Program

The Color Glo Franchise Insurance Program, administered by The Southern Agency, provides six coverage lines specifically organized around the risks of operating a Color Glo International mobile restoration franchise. Color Glo franchisees drive to every customer, work on valuable property at third-party locations, carry tools and colorants to every job, and serve commercial clients who require certificates of insurance. This program addresses every part of that operating reality.

Six Coverage Lines for Color Glo Franchise Operators

General Liability Insurance — Third-party bodily injury, property damage, and completed operations coverage for jobsite work at homes, dealerships, offices, marinas, and medical facilities.
Commercial Auto Insurance — Coverage for service vehicles, business-use driving to every job, and hired and non-owned auto liability for the mobile operating model.
Property Insurance — Coverage for product inventory, colorants, office equipment, and business assets at the franchisee's home, garage, or storage location.
Equipment / Inland Marine Insurance — Coverage for tools, repair kits, colorants, and supplies that travel with technicians to every job.
Garagekeepers Insurance — Coverage for customer vehicles in the franchisee's care, custody, or control during automotive restoration work.
Workers' Compensation Insurance — Statutory coverage for employed technicians protecting against injuries from driving, kneeling, lifting, and jobsite activity.

About The Southern Agency

The Southern Agency is an independent insurance agency with experience working across franchise systems. As an independent agency, the team accesses a broad panel of A-rated and admitted carriers — not just one — to find coverage that fits the specific risks of Color Glo International mobile restoration operations. The Southern Agency manages the coverage review, policy placement, commercial client certificate issuance, and annual renewal process for Color Glo franchise operators nationwide.

Franchisee Insurance Guide

Color Glo franchisees work across multiple types of restoration environments. The franchisee insurance guide covers coverage considerations organized by restoration type:

Contact The Southern Agency

Phone: (800) 777-1872
Email: ColorGlo@TheSouthernAgency.com
Request a Coverage Review