Auto Dealers
The product pages provide a brief overview of the many different types of accounts we can help you place. If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.
Auto Dealers
This program is intended to provide auto dealer liability which includes general liability and automobile liability, dealers physical damage and/or garagekeepers if needed. We can consider packaging the building and/or contents as well.
These would be accounts such as used car dealers, buy here pay here lots (including repossession), wholesale dealers, including combination used car dealers with service, repair, body shops, and/or towing for hire and not for hire.
Coverages
General liability
Auto liability – this can be for autos held for sale and/or include owned autos of the insured such as
service trucks, tow trucks and rollbacks, and non owned liability for the operation of a customer auto
Auto medical payments
PIP or state equivalent
Uninsured/Underinsured Motorist
Dealers Physical Damage
Auto Physical Damage
Garagekeepers
Optional package coverage such as property / inland marine
Guidelines
Underwriting
Important underwriting points are:
Please use our Auto Dealer and Service Application
Note that we have several types of supplements available depending upon the type of risk:
- Use Specialty Vehicle Supplement for truck, motorcycle, equipment sales
- Use Auction Supplement for auto auctions
- Use Repossession Supplemental for dealers that repossess their own inventory
- Use Salvage Yard Supplement for salvage and auto dismantling accounts
- Use RV / camper supplement for camper dealers/repair
We still need driver information for all employees, including the owner and any clerical staff
Be prepared to furnish loss runs if we request
Prohibited
Kit Cars or other Auto Manufacturing
Leasing/Loaning/Renting
Mobile Home/Manufacturers Dealers
Franchised Auto Dealers
Race Cars
Applications
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