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Insurance Products

The product pages provide a brief overview of the many different types of accounts we can help you place.  Select a product from the left to learn more about it.  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.

Used Car Dealers

This program is intended to provide auto liability, general liability, garagekeepers as well as other package coverage for dealer garage risks. These would be accounts such as used car / truck dealers, auto auctions, smaller farm/contractor equipment dealers, salvage yards with car sales, dealers with towing operations and many other types of accounts.

Coverages
Guidelines
Applications
    • Auto liability – owned, non-owned autos used in garage business and specifically described units such as trucks, tow trucks and rollbacks
    • Auto / premises medical payments
    • PIP or state equivalent
    • Uninsured motorist
    • Auto physical damage
    • Garagekeepers
    • General liability
    • Optional package coverage such as property / inland marine
  • Underwriting

    Important underwriting points are:

    • Please use our garage application
    • Note that we have several types of supplements available depending upon the type of risk:
      • Use heavy vehicle repair supplement for truck and commercial vehicle repair
      • Use auction supplement for auto auctions
      • Use repossession supplement for repossession accounts (see separate repossession product guide)
      • Use salvage yard supplement for salvage and auto dismantling accounts
      • Use RV / camper supplement for camper repair / dealers
      • Use valet supplement for valet parking risks
      • Use motorcycle supplement for motorcycle repair accounts
    • We need driver information for all employees, including the owner(s), drivers in owner’s family and any clerical staff
    • Give us a good description of the types of repairs and work being done
    • Be prepared to furnish loss runs if we request

    Prohibited

    • Franchised dealers
    • Risks that are engaged in high performance engine work, racing
    • Risks that are heavily involved in ATV, off road type vehicles
    • Risks that build vehicles or deal in car/truck kits

    Available In

    • Illinois
    • Indiana
    • Kentucky
    • Ohio
    • Pennsylvania
    • West Virginia