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AmWINS Group, Inc.

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Program Details -

Auto Dealer Professional Liability Program


Professional liability policies provide coverage for the financial consequences of negligence or errors in the delivery of certain "professional" services/business activities. Historically, this type of policy was only available for professions such as accounting, law, engineering, and healthcare.

AmWINS Brokerage has developed an exclusive professional liability program specific to the automotive industry. In this program, the coverage is triggered by an incident that arises out of, is related to, or is incidental to "the purchase, sale, repair, finance, title or lease of vehicles, which includes financing services, loan services, tag and title services, insurance services, finance and loan document services or documentation preparation services for others for a fee."

Other policies for this industry, such as garage liability, do not address the dealership exposure robustly, sub-limits are minimal and coverage "trigger" offered is narrowly defined. This new standalone E&O program provides more robust balance sheet protection particularly as it relates to single plaintiff or class action lawsuit claims.

Target Clients:

  • Automotive industry
  • Not limited by size, geography or exposure


  • Ability to split retentions for single plaintiff and class action claims
  • Ability to endorse on cyber/network security and media coverage
  • Final adjudication language for criminal exclusion and duty to defend policy

Minimum Premium: $15,000 per million


  • Up to $5M in coverage that can be eroded by both defense and indemnity costs
  • $500K sublimit for deceptive business/trade practices
  • $250K sublimit for credit discrimination

Automotive, Dealer, Car, Professional, Purchase, Title, Financing, Insurance, Loan, Tag, Title, License, Protection, Garage, Negligence