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Franchised Auto Dealerships

Franchised Auto, Truck and RV Dealer Insurance Program

Program Target:

  • Target Risks:
    • Franchised Auto, Truck and RV dealers
  • Ineligible Risks:
    • Used car dealers are not eligible for this program unless this business activity is part of a new auto dealership
    • Motorcycle, Boat and ATV (All Terrain Vehicle) and emergency vehicle dealers are not eligible for this program
  • Geographic:
    • Nationwide except CT, MA, NJ, and downstate NY (south of Route 84). Territory limitations in FL and LA, please call to discuss prior to submitting business.

Why work with our program administrator?

  • Longevity and Experience: Over 38 years of underwriting auto service related industries
  • Custom Products: Products specifically designed for franchised auto, truck and RV dealerships

Coverages and Limits Available:

  • Garage Liability
  • Broadened Garage Liability including Advertisers and Personal Injury, Products Extension, Fire Legal, Host Liquor, Limited World Wide, Fellow Employee, Employee Benefits Liability
  • Enhanced Property
  • Employee Theft and Crime Coverages
  • Umbrella Liability limits up to $25 Million available
  • Dealers Open Lot - not provided through the program 
  • Pollution and Underground Storage Tank - not provided through the program 
  • Corporate Identity Theft
  • Workers' Compensation (through another carrier)

Submission Requirements:

  • Completed ACORD forms
  • Completed program administrator application
  • Currently valued loss runs (current plus 3 years prior)
  • The program is also able to provide quotes for optional coverages, a completed the appropriate supplemental application is required for:
    • Dealers Open Lot Auto Physical Damage
    • Garage Exposure Employee Information
    • Corporate Identity Theft
    • Employment Practices Liability
    • Pollution Liability

Broker Requirements:
Current Appointment with the program administrator or, if not, complete the following items:

  • Broker Agreement
  • IRS W-9
  • Copy of E and O Certificate or Declaration Page
  • Copy of the agency’s license per location
  • Agency Profile Document
  • If multiple locations, include a list and confirm ALL locations are covered under the operation’s Errors and Omissions policy