Independent Auto Dealerships
We understand what you’re up against, running an independent dealership. We’ll help you manage risk to protect your bottom line.
Insurance customized for your industry.
- We are one of the leading specialty garage liability providers in the United States.
- Experience working with rental, leasing, manufacturing and service operations.
- We cover independent auto dealers like you, from coast to coast.
- Customized and comprehensive insurance packages.
Expert insurance coverage for:
- Used car dealers
- Exotic & classic dealers
- Consignment dealers
- BH/PH dealers
We understand the special risks you face as an independent dealership.
With fluctuating inventory, you have to strike a balance between insuring too high of a limit, leading to overpayment, and underinsuring — which can cause costly coinsurance penalties.
We understand what you’re up against.
With rising costs on parts, labor and medical expenses we continue to see premium costs rise. This has also been driven by a reduction in the insurance carriers writing independent auto dealerships.
Manage risk to protect your bottom line.
We’ll work with you to limit exposure to auto liability and the potential for nuclear verdicts impacting your business, as well as exposures due to employee driving, demo use, loaners and test drives.
We are Garage Liability specialists.
Because not all garage liability policies are created equal—and most agents can’t spot the critical differences—our team conducts a comprehensive audit of your existing program. We provide a detailed side-by-side comparison of coverages, limits, and exclusions, highlighting hidden gaps or overlaps in your current policies while recommending the optimal coverage that matches your risk profile and budget.
Protect your team, with Employee Benefits and more.
We also provide comprehensive Employee Benefits, Payroll and PEO services to help you identify and negotiate with the right providers.
The coverage you need to protect and grow your business.
Garage Liability
Our Garage Coverage Form bundles General Liability and Automobile Liability into a single, streamlined policy—so you eliminate coverage gaps and conflicting terms.
Floor Plan
Coverage for physical damage to vehicles owned, and held for sale, by your dealership.
Commercial Auto
Coverage that protects vehicles, including fleets, used by your business.
Property Coverage
Coverage for damage or loss to your building, equipment, inventory, business contents and loss of income.
Daily Rentals
Let us show you how to add Daily Rentals to your dealership operations and help you manage that process with our training program.
Lease Here / Pay Here
Our standard contingent program includes a new FR (financial responsibility) program that allows your lease program to compete on a level playing field with other loan products and enjoy the many benefits of leasing a vehicle to your customer.
Finance and Insurance (F&I)
We're exploring creative, product-driven ways to bring innovation and differentiation to the space.
Management Liability
Cover the risks that your organization faces in the course of doing business. The right coverage can also help give your business the claim resources to respond to an incident.
Ready to talk about your dealership’s coverage?
