DealerGuard - Auto Dealer's Open Lot

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

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For over 25 years, the DealerGuard insurance program has provided open lot physical damage coverage for franchised and large independent dealers, associations, and finance company floor plans.  We combine decades of industry knowledge with the strength and stability of one of the largest insurance carriers in the world to deliver a sustainable value proposition our stakeholders can rely upon.

Eligible Risks

  • Franchised automobile dealers. Typical operations include: sales of new and used vehicles, with incidental operations including vehicle maintenance, service, and repair. 
  • Minimum account premium is $10,000.
  • Dealer Open Lot coverage is available in conjunction with Manufacturer and Floor Plan coverage.

Ineligible Risks

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


Dealer's Open Lot 

  • Available for “non-floored only” when necessary
  • Inventory protection is available for motorcycle and bus dealers

Other Coverage Available (separate policies):

Beyond coverage, precision crafted services include:

  • Loss control and consultative services
  • Claims management provided by nationally recognized third party administrator
  • Client focused service team

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

Please send submissions to:

When completing the applications, please be sure to include the Date a Quote is Required and the Expiring and/or Target Premiums.