Because there are so many unique risks in this business, you know how hard it can be to find cost-effective insurance for non-franchised (used car) auto dealers. However, we have a program that is tailored to meet those special needs of the small- to medium-size dealers and offer protection for this difficult-to-insure business at a reasonable cost. In addition, our Loss Control Department can help you establish a safe work place and reduce accidents and the time-consuming paperwork related to claims.

This program is available in Arkansas, Iowa, Minnesota, Missouri, Nebraska, North Dakota, South Dakota and Wisconsin.

BASIC COVERAGES

• Garage coverage
• Dealers’ driveway collision
• Individually named insured – dealers

• Garagekeepers Insurance
• Can be written to cover your customers’ vehicles while in your possession for repair work
• No deductible for completed operations
• Deletes the usual $100 deductible for property damage to autos that result from work you complete
• Personal property in a customer’s auto
• Provides coverage for loss to customer’s personal property left in the auto
• False pretense coverage
• Protects your client from loss to a covered auto when someone takes it under false pretenses or if your client acquires an auto from someone without legal title
• Federal odometer E&O coverage
• Drive-other-car coverage
• Broadened coverage for named individuals
• Employee benefit liability endorsement

• Personal injury and Advertising injury
• Host liquor liability
• Fire legal liability
• Incidental medical malpractice liability
• Non-owned watercraft
• Additional personal insured
• Automatic liability coverage for newly acquired garage business (90 days)
• Limited worldwide liability