Specialized protection for auto dealers where garage liability falls short

Traditional garage liability policies often leave critical gaps when it comes to professional exposures faced by auto dealers, especially in areas like financing practices, disclosures, and documentation procedures. These gaps can lead to costly denials or inadequate limits when claims arise.

Amwins' Auto Dealers Professional Liability Program addresses this exposure directly, offering a dedicated E&O solution triggered by incidents arising from the sale, service, repair, rental, financing, leasing, or titling of vehicles. The policy wording has been specifically crafted for the auto dealership space and responds to operational and business practice risks that are typically excluded or sub-limited in garage forms.

Whether your client is a franchise dealer or an independent lot, this program equips them with purpose-built protection backed by knowledgeable counsel and efficient underwriting. With optional coverages, defense flexibility, and streamlined processing, it's a high-impact solution for dealers operating in a high-liability environment.

Program Highlights:

• Deductible flexibility for single plaintiff vs. class action suits
• Cyber, network security, and media coverage options available
• Lenders Liability coverage for "buy here pay here" operations
• “Dealer-tested and approved” counsel available for defense
• Insured vs. Insured exclusion applies only to senior execs
• Simplified application and average 10-day turnaround