Auto Dealer's Open Lot (DealerGuard)

A comprehensive insurance program designed for franchised auto dealers and large independent auto dealers.
DealerGuard insurance program

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The U.S. is the second-largest market in the world for vehicle sales and production, selling through almost 17,000 franchised auto dealers as well as a large number of independent dealers and associations.  With millions of dollars worth of assets sitting on their lots, auto dealers face considerable exposures.   

That’s why Amwins Program Underwriters created DealerGuard (car dealer insurance) 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.  Our team has expertise with specialty and high-line inventory, and our in-house claims handling ensures prompt loss settlement. 

DealerGuard's industry experts focus exclusively on automotive exposures.  We combine decades of industry knowledge with the strength and stability of one of the largest insurance carriers in the world, delivering a sustainable value proposition you can rely upon 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


  • 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

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.

Car Dealer Insurance
Program details



The program is available in all U.S. states except AR, CO, IA, KS, MO, NE, OK, and SD.


Minimum premium







A.M Best Rated "A"


Submission requirements

  • Completed DealerGuard application
  • Currently valued loss runs (current plus four prior years)
  • Franchised dealers: page one of most recent month end financial statement for each franchise/dealership
  • Non-franchised dealers: detailed inventory listing for all vehicles

When completing the DealerGuard application, please be sure to include the date a quote is required and the expiring and/or target premiums.


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