DealerGuard - Dealer's Open Lot & Garage Package

A comprehensive insurance program designed for franchised auto, truck and RV dealers as well as large independent auto dealers.

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For over 25 years, the DealerGuard insurance program has provided tailored property and casualty products for franchised and large independent dealers, associations, and finance company floorplans.  We combine decades of industry knowledge with the strength and stability of one of the largest insurance carriers in the world to deliver a sustainable value proposition our stakeholders can rely upon.

Eligible Risks

  • Franchised automobile, truck and recreational vehicles dealers. Typical operations include: sales of new and used vehicles, with incidental operations including vehicle maintenance, service, and repair.  Minimum account premium is $25,000.
  • Non-Franchised/Independent Auto Dealer Package minimum premium is $20,000.
  • Garage Liability coverage is available in all states except dealerships domiciled or with major operations in the following venues: MA, CT, NJ, downstate NY (south of Route 84), Cook County, IL, FL and LA.
  • Dealer Open Lot coverage is available in conjunction with Manufacturer and Floorplan coverage.
  • Dealer Open Lot coverage is available in all states with restrictions in those states with extreme hail zones.
  • Dealer Open Lot stand-alone minimum premium is $4,800.

Ineligible Risks

  • Auto (daily or weekly) rental operations
  • Bus, boat, motorcycle and ATV dealers (inventory protection is available for bus and motorcycle)
  • Call if risk is involved in emergency equipment sales or repair as well as bus repair operations
  • Independent Auto Dealers with less than 3 years history, salvage operations, and retaining of title on financed or leased vehicles


Dealer's Open Lot 

  • Available stand-alone (some restrictions apply)
  • Available for “non-floored only” when necessary
  • Inventory protection is available for motorcycle and bus dealers

Comprehensive Garage Package
(Franchised and Non-Franchised dealerships)

  • Garage Liability (including Garagekeepers)
  • Broad Dealer Errors & Omissions coverages including limit options for: Truth in Lending/Leasing, Federal Odometer Statute, Title E & O, Lemon Law or Consumer Complaint, Insurance Agents Errors & Omissions
  • Broadened Garage Liability including Advertisers and Personal Injury, Products Extension, Fire
    Legal, Host Liquor, Limited World Wide, Fellow Employee, Employee Benefits Liability
  • Property coverage including Building, Business Personal Property, Business Income/Extra Expense, Equipment Breakdown and Inland Marine
  • Crime coverages
  • Umbrella Liability
  • Monthly Installments at no extra charge

Other Coverage Available
(separate policies):

  • Employment Practices Liability
  • Pollution and Underground Storage Tank
  • Cyber Liability

Beyond coverage, precision crafted services include:

  • Loss control and consultative services
  • Claims management provided by nationally recognized third party administrator
  • Client focused service team

Submission Requirements

Garage Package Coverage

  • Completed ACORD forms for each desired line of business (we accept Excel Statements of Value in lieu of Property ACORDs)
  • Franchised Auto, Truck and RV Dealership Questionnaire (documents listed on the checklist are required for underwriting and determine eligibility)
  • Independent/Non-Franchised Auto Dealership Questionnaire
  • Currently valued loss runs (current plus three prior years)
  • Employee List Form (including birth date, job title, driver's license number, and demo issuance).
  • Employee Handbook

Open Lot Coverage

  • Completed DealerGuard Application
  • Currently valued loss runs (current plus two prior years)
  • Franchised dealers: page one of most recent month end financial statement for each franchise/dealership
  • Non-franchised dealers: detailed inventory listing for all vehicles

In addition to the coverages listed above, we may be able to provide quotes for the following optional coverages.  Please complete the appropriate application for:

  • Cyber Liability
  • Employment Practices Liability
  • Pollution Liability

Please send submissions to:

When completing the applications, please be sure to include the Date a Quote is Required and the Expiring and/or Target Premiums.

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.