Anticipating curves in the road ahead? 
Make sure we’re along for the ride.

With millions of dollars worth of assets sitting on their lots, car dealers face considerable exposures. Dealer’s Open Lot (DOL) coverage is often excluded or limited in a dealership package, which makes finding insurance challenging for many car dealers.

That’s why Amwins Program Underwriters created DealerGuard more than 30 years ago. DealerGuard is an insurance program providing open lot physical damage coverage for franchised auto dealers, large independent auto dealers, dealer associations and finance company floor plans. 

Backed by one of the largest insurance carriers in the world for more than 10 years, DealerGuard is a tenured program in this space. We offer:

• Expertise in specialty and high-line inventory
• In-house claims handling, ensuring prompt loss settlement
• Decades of automotive industry experience
• Dealers' Open Lot coverage you can rely on time and time again

Eligible accounts

• Franchised automobile dealers. Typical operations include: sales of new and used vehicles, with incidental operations including vehicle maintenance, service, and repair. 
  
  

Ineligible accounts

• Auto (daily or weekly) rental operations
• Boat dealers
  
  

Coverage

• Dealer's open lot
  • Available in conjunction with manufacturer and floor plan coverage
  • Available for “non-floored only” when necessary
  • Inventory protection is available for motorcycle and bus dealers
• Parametric offering for hail-related risks in tough weather zones
• Pollution and underground storage tanks
  • Available through APU's Storage Tanks and Auto Dealer's Pollution programs (separate policies)
    
    

Loss control

DealerGuard, a car dealer insurance program, offers a variety of retail automotive-specific loss control recommendations. As the only MGA in our space with over 30 years of internal claims handling experience, we may have seen it all. We offer resources on topics such as theft, trick and device, and Red Flags compliance.

Claim management

All DealerGuard claims are handled by our internal, local claims team. With over 100 years of combined auto dealer's open lot claims experience, we offer service and expertise not often found through TPAs.