Insurance Program Results
Auto Dealers: Competition Grows Despite Losses
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Crittenden Insight |
Crittenden Insurance Program Directory™ |
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Auto Dealers Programs |
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Carrier (Administrator) |
Appetite/Preferred Accounts/Limit Capacity |
Distribution/ |
Crittenden’s Customer |
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Nationwide |
Recreational vehicle, motorcycle, personal auto, watercraft, snowmobile and ATV dealerships. Garage, general liability, property, inland marine, excess, employment practices, event cancellation and non-appearance. Limits up to $25 million excess. |
Agents |
4 Stars |
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Indian Harbor Insurance |
Auto, motorcycle, franchised new car, franchised new truck and large non-franchised dealers. Dealer’s physical damage. Minimum premium is $5,000. |
Retail Agents |
4 Stars |
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Liberty International Underwriters/ |
LIU – Can accommodate large dealerships with annual revenue over $1 billion. Professional liability and E&O. Limits up to Hiscox – Geared toward small and midsized dealers. Follow-form excess up to $1 million. AmTrust (products expected within next few months) – Geared toward small and midsized dealers. D&O, employment practices liability, cyber, crime, fiduciary, etc. Limits up to $5 million. |
Retail Agents |
5 Stars |
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ProSight Insurance Co. |
Franchised auto dealers independent auto dealers, franchised RV dealer, exotic car dealerships and used car dealerships. Dealer open lot insurance. Limits up to $25 million. |
Agents |
3 Stars |
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AIG (Willis Programs) |
Franchised and independent dealers of autos, RVs, motorcycles, trucks, buses, mobile equipment, ATVs, jet skis and antique/classic cars. All risk physical damage, false pretense/deception coverage, spot delivery coverage, economic loss collision sublimit, dealer trades, consignment vehicles, and other coverages. Limits up to $30 million umbrella/excess. |
Brokers |
4 Stars |
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Zurich North America |
Franchised auto, independent auto, motorcycle, power sports and RV dealerships. Auto inventory physical damage, property, crime, garage liability, garage keepers legal liability, employment practices liability, umbrella, pollution. |
Brokers |
4 Stars |
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Houston International Insurance Group. (Risk Point) |
Franchised and non-franchised auto, RV, heavy truck and motorcycle dealers. Dealers open lot physical damage, loss due to weather. |
Independent Agents and |
3 Stars |
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Hiscox Insurance Co. |
Non-franchised and used auto, truck and RV dealers with service and/or repair work up to 40% of revenues; small auto auctions and wholesalers. Garage liability up to $1 million/ |
Retail Agents who specialize in dealership business and have existing books of business. |
5 Stars |
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Utica Mutual Insurance Co. |
Franchised Auto Dealers: Property, inland marine, garage liability, commercial auto, auto dealers E&O, umbrella. |
Independent Agents |
5 Stars |
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Sentry Insurance Co. |
Auto dealerships. Property, general liability, auto, workers’ compensation and employment practices. |
Agents |
3 Stars |
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Source: Crittenden Research Inc.™ |
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Business Insurance
Administered By: Sentry Insurance
Distribution: Carrier Direct
| Industries: |
Auto Dismantling/Scrap Metal/Recycling, Auto/Car Dealerships, Equipment Dealers, Farm/Ranch/Agribusiness, Food & Beverage Manufacturers, Motorsports, Retail, Small Businesses |
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Carriers: Sentry Insurance, a Mutual Company
Coverage: Business Income/Extra Expense, Business Interruption, Business Owners Policy (BOP), Business Personal Property/Business, Business Travel Accident, Employee Benefits, Employment Practices Liability (EPL), Property & Casualty , Workers' Compensation
Limits: Call - For Limits
DAII
Administered By: Diversified Insurance Facilities
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships, Car & Truck Manufacturers, Marinas/Clubs |
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Carriers: Lexington Insurance Co.
Coverage: Dealers Open Lots, Excess, Umbrella/Excess
Limits: Depends on Individual - and Location
eXtreme Fleet Protection
Administered By: Diversified Insurance Facilities
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships, Car & Truck Manufacturers, Marinas/Clubs |
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Carriers: AmTrust Group
Coverage: Excess, Umbrella/Excess, Warranty Products
Limits: - - - (Depends on individual and location)
eXtreme GAP
Administered By: Diversified Insurance Facilities
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships, Car & Truck Manufacturers, Marinas/Clubs, Trucking, Trucking (Motor Carriers) |
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Carriers: Markel Corp.
Coverage: Commercial Auto, Excess, Umbrella/Excess
Limits: - - - (Depends on individual and location)
Franchised Powersport & RV Dealers Program
Administered By: K&K Insurance
Distribution: MGU
| Industries: |
Auto/Car Dealerships |
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Carriers: Nationwide Mutual Insurance Co.
Coverage: Business Personal Property/Business, Crime, E&O, Employment Practices Liability (EPL), Equipment Breakdown, Excess, Garage Keepers Legal Liability, General Liability, Hired & Non-Owned Auto, Inland Marine, Property, Workers' Compensation
Limits: up to $5 million (Primary ), up to $25 million (Excess)
DEALERpro
Administered By: Appalachian Underwriters, Inc.
Distribution: MGA
| Industries: |
Auto/Car Dealerships |
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Carriers: AmWins Group, Inc
Coverage: Garage Keepers Legal Liability, General Liability, Non Owned Auto, Property, Workers' Compensation
Limits: up to - $300,000 (Fire Legal Liability Limit), up to - $1 million (Garage Liability Limit)
Dealer's Physical Damage
Administered By: All Risks
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships |
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Carriers: Indian Harbor Insurance Co.
Coverage: Auto Liability , Auto Physical Damage, Commercial Auto, Weather Insurance, Workers' Compensation
Limits:
Directors & Officers
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Adoption/Foster Services & Facilities, Assisted Living Facilities, Auto/Car Dealerships, Behavioral/Mental Health Organizations, Blood/Tissue Banks, Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Colleges & Universities, Community Associations, Crisis Call Centers, Day Care (Child or Adult), Education & Nonprofit, Groups & Clubs, Hospice, Libraries, Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Nonprofit Organizations, Private/Charter Schools, Restaurants, Social Services, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Kinsale Insurance Co.
Coverage: Directors & Officers (D&O)
Limits: up to $5 million/$5 million (Primary)
Employment Practices Liability
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Accountants & Accounting Services, Architects & Engineers (A&E), Art Galleries/Fine Art/Museums/Antique Dealers, Auto Service and Repair, Auto/Car Dealerships, Aviation Risks & Airports, Banks, Brokers/Dealers, Camps (Youth, Sports & Enrichment), Chemical Manufacturers/Distributors, Commercial Auto (Public Transportation), Construction Equipment/Machinery/Materials, Educational Risks (School Administrators), Energy Companies, Film Risks, Gas Stations, Hospitality (Hotels/Motels), Insurance Agents, Insurance Companies, Investment Advisers, Lawyers, Logging/Lumber/Forestry Risks, Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Mine/Mining Risks, Miscellaneous Risks, Museums, Nonprofit Organizations, Real Estate Agent/Broker, Research/Research Organizations (Clinical, Etc.), Restaurants, Retail, Social Services, Utility Companies |
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Carriers: Kinsale Insurance Co.
Coverage: Bodily/Personal Injury, Employment Practices Liability (EPL)
Limits: up to $5 million/$5 million (Primary Limits)
GMI Auto Lease Program
Administered By: GMI Insurance Services
Distribution: MGA
| Industries: |
Auto/Car Dealerships, Banks, Financial Institutions, Truck Rental/Truck Rental Companies |
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Carriers: National Interstate Insurance Co.
Coverage: Commercial Auto, Excess, Umbrella/Excess
Limits: up to - $5 Million (Liability)
Miscellaneous Errors & Omissions
Administered By: NAS Insurance Services
Distribution: MGA
| Industries: |
Advertising/Printers/Authors, Answering Services, Arbitrators & Mediators, Auctioneers, Auto/Car Dealerships, Back Office Services, Commercial Real Estate Manager/Director, Consultants/Consulting Risks, Court Reporting, Disaster Recovery, Employment Practices, Events and Event Planners, Executive Coaches/Mentors, Farm/Ranch/Agribusiness, Graphic Designers, Interior Designers, Landscape Design/Landscaping/Lawn Service, Miscellaneous Risks, Mortuary/Funeral Services/Directors, Notary Public, Research/Research Organizations (Clinical, Etc.), Security/Investigation/Alarm Systems, Tax Preparers, Training & Certification, Translation Services, Travel Agencies/Tour Operators, Witness Services |
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Carriers: Lloyd's of London
Coverage: Employment Practices Liability (EPL), Errors & Omissions (E&O)
Limits: up to $5 million
NetGuard™ Plus
Administered By: NAS Insurance Services
Distribution: MGA
| Industries: |
Auto/Car Dealerships, Education & Nonprofit, Educational Risks (School Administrators), Financial Institutions, Hospitals, Insurance Agents, Municipalities/Government Bodies, Physician Groups, Physicians, Retail, Schools, Small Businesses, Staffing Agencies, Utility Companies |
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Carriers: Lloyd's of London
Coverage: Crime, Cyber Liability, Data Security, Network Security Liability, Privacy Liability/Notification Expense, Reputational Risk
Limits: up to $25 million
ACE TankSafe®
Administered By: Chubb Ltd. (Formerly ACE Group)
Distribution: Carrier Direct
| Industries: |
Auto/Car Dealerships, Aviation Risks & Airports, Hospitals, Manufacturers/Manufacturing Risks, Municipalities/Government Bodies, Trucking |
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Carriers: ACE Group
Coverage: Excess, Property, Umbrella/Excess
Limits: $500,000 - $5 million (Per occurrence), $1 million - $5 million (Aggregate)
Automotive Components Product Recall Policy
Administered By: Liberty Intl Underwriters
Distribution: Carrier Direct
| Industries: |
Auto/Car Dealerships |
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Carriers: Liberty International Underwriters
Coverage: Excess, Products Liability
Limits: up to $10 million (Excess), up to $5 million (Primary)
Automotive Dealer Open Lot Insurance
Administered By: Victor O. Schinnerer
Distribution: MGU
| Industries: |
Auto/Car Dealerships, Commercial Auto |
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Carriers: ProSight Specialty Insurance Group
Coverage: Auto Liability , Business Personal Property/Business, Commercial Auto, Commercial Property, Property & Casualty
Limits:
DealerGuard
Administered By: Willis Programs
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships, Commercial Auto |
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Carriers: AIG
Coverage: Business Owners Policy (BOP), Commercial Auto, Crime, Employee Benefits Liability, Environmental/Pollution Liability, Errors & Omissions (E&O), Excess, Natural Disaster, Professional Liability, Property, Truth in Lending, Umbrella/Excess
Limits: $0 - $30,000,000 (UmbrellaExcess, Per a location), $0 - $750,000 (Per a Vehicle)
Dealership Advantage
Administered By: B and B Programs
Distribution: Program Administrator
| Industries: |
Auto/Car Dealerships, Workers Compensation |
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Carriers: Nova Casualty
Coverage: Workers' Compensation
Limits:
Dealership Solutions
Administered By: Zurich
Distribution: Carrier Direct
| Industries: |
Auto/Car Dealerships |
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Carriers: Zurich
Coverage: Auto Liability , Auto Physical Damage, Commercial Auto, Crime, Errors & Omissions (E&O), Garage Keepers Legal Liability, General Liability, Pollution Legal Liability, Property, Umbrella/Excess
Limits: up to $1 million (Liability), up to $1 million (Physical Damage)
Large Auto and Truck Rental Companies
Administered By: Zurich
Distribution: Carrier Direct
| Industries: |
Auto/Car Dealerships, Car Rental/Car Rental Companies, Workers Compensation |
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Carriers: Zurich
Coverage: Commercial Auto, Excess, General Liability, Umbrella/Excess, Workers' Compensation
Limits: up to $5 Million (Liability (higher in certain cases))
Auto Dealer Professional Liability
Administered By: AmWINS
Distribution: MGA
| Industries: |
Auto/Car Dealerships |
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Carriers: Hiscox Insurance Co. Inc., Liberty International Underwriters
Coverage: Errors & Omissions (E&O), Excess, Professional Liability, Umbrella/Excess
Limits: up to $5 Million