Important Auto Dealer Insurance Coverage’s and Services

Commercial Property & Liability Coverage

:: Auto Inventory Physical Damage

• Customer Auto - cover your customers' vehicles when they are in your care.
• Extended Theft - Trick and Device and False Pretense Coverage
• Wrap-around - Coverage for un-floored vehicles

:: Property

• Guaranteed replacement cost – be protected against the increased costs of construction and demolition
• "Breakdown" - replacement cost on computers, equipment and machinery
• Business Income Continuation - money coming in even if a covered loss forces you to temporarily close your doors
• Employee Tools - Coverage to replace stolen tools.
• Loss of Rents - coverage to make lease payments during a loss

Garage liability

• Statute & Title Errors and Omissions - losses arising out of alleged violations of odometer, truth-in-lending, truth-in-leasing, disclosure, or Used Car Buyers Guide regulations.
• Punitive Damages - Make sure this is included in your garage liability policy.
• Umbrella - A properly structured Umbrella liability policy is critical to balancing out your dealership insurance

:: Crime

• Employee Dishonesty - embezzlement, stealing parts or keeping a deposit on a new vehicle.
• Money and Securities - Coverage for losses inside and outside your dealership. Protect against robbery of your daily bank deposit or money stolen in F&I
• Products and Completed Operations - damages caused by products you installed or work you performed

:: Employment Practices Liability

• Discrimination - Hiring, management and overall business practices
• Discrimination and Sexual Harassment Training and Advisory Program – Experienced Attorneys to speak with on matters ranging from termination to investigations of sexual harassment and discrimination.

Workers’ Compensation

Keep your costs low and get the protection and coverage your business and employees deserve. Our experienced claims managers help to get your employees back on the job and reduce your claims.

Other Important coverage’s

• Agents’ Errors and Omissions - Protects against errors and omissions losses resulting from the sale of Credit Life, Accident & Health and Physical Damage insurance.
• Commercial Auto - for Daily Rental Operations, Dealer Operations
• Uninsured and Underinsured Motorist - Coverage protects you if you should suffer a loss as a result of the negligence of an uninsured or underinsured driver.
• Personal Umbrella Liability – Protect yourself just as you protect your business. A personal umbrella liability policy will provide you piece of mind.

Additional coverage’s

• Pollution Liability
  For covered losses, Pollution Liability policy provides up to $1 million in coverage for all types of pollutants. Defense costs are paid separately from this limit of liability.
• Commercial and Personal Coverage
  Coverage for all of your needs – from Builders Risk to Hole in One and all your personal coverage's
• Life Insurance
  We offer business life insurance products that will allow your business to continue and provide your partners and family piece of mind.