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AmWINS Program Underwriters

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Program Details -



DealerGuard, one of AmWINS Program Underwriters specialized insurance programs is a complete P&C offering for franchised auto, truck, and RV dealers as well as large independent auto dealers.
For over 25 years, DealerGuard has provided insurance solutions to agents competing with the direct writers. Our comprehensive offering gives local agents all they need to protect auto, truck, and RV (franchised only) dealerships.

Eligible Risks:

  • Franchise automobile, truck and recreational vehicles dealers. Typical operations include: automobile sales and leasing of new vehicles including incidental operations such as selling used vehicles and repair and service of new and used vehicles.
  • Minimum account premium is $25,000
  • Dealer Open Lot stand-alone minimum premium is $4,800
  • Dealer Open Lot coverage is available in conjunction with Manufacturer and Floorplan coverage.
  • Independent Auto Dealer Package minimum premium is $20,000 (see DealerGuard Open Lot application for exposures)

Dealer Open Lot including:

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

Comprehensive Package including:**

  • Broad Dealer Errors & Omissions coverages including limits 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, and Inland Marine
  • Employee Theft and Crime coverages
  • Umbrella Liability - limits up to $25 million available
  • Employment Practices Liability (separate policy)
  • Pollution and Underground Storage Tank
  • Corporate Identity Theft
  • Monthly Installments at no extra charge

Independent Auto Dealer Package:

  • See DealerGuard Open Lot application for exposures

Coverage is provided on an admitted basis unless otherwise indicated.
*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.

**Comprehensive Package coverage formerly marketed as the CAR-PAC program

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming