Dealers Open Lot Program

Broad coverage forms and superior service

Ryan Specialty National Programs has a seasoned team of auto dealer insurance specialists who are dedicated to helping retail insurance agents place Dealers Open Lot coverage for franchised new car, new motorcycle, and new truck dealerships. We continue to be your consistent stable Dealers Open Lot market with over 50 years in the industry. We can offer access to multi-state capabilities with no audits and no monthly reporting.

Program Highlights

  • Direct bill options with no finance charge
  • Competitively priced
  • No audits
  • Earth Movement and Tier I available
  • Broadened form
  • No monthly reporting
  • Financially stable carrier
  • Over 50 years of combined expertise with dealers
  • Minimum premium – $5,000

Target Classes

  • Franchised new car dealerships
  • Franchised new motorcycle dealerships
  • Franchised new truck dealerships
  • Large non-franchised dealers
  • ATV dealers
  • RV dealers


  1. Do you offer a weather aggregate? Depends on the territory, but it may be available.


  • Comprehensive and Collision
  • False Pretense including coverage for wholesalers
  • Economic loss
  • Weather reimbursement
  • 10-day Spot Delivery Coverage
  • Stated Amount Coverage available
  • Lease returns covered
  • Impending damage
  • Towing / storage sub-limits
  • Watercraft Physical Damage
  • Paint-less dent repair discounts

Submission Requirements

  • Supplemental Application
  • Monthly Inventory Statement of Values worksheet or page 1 of financials
  • 3 Years Currently Valued Loss Runs with explanation of large losses
  • Target pricing or expiring premium


Kevin Gast
Vice President
P: 443-318-6188
M: 443-844-4440
Tim Buechner
Senior Underwriter
P: 443-318-6131
M: 248-342-8077
Justin Johnson
Assistant Vice President
P: 443-318-6231
M: 443-243-1801
William Joshua Howard
P: 410-405-7327
M: 210-739-8172
Ryan Mills
P: 443-812-5044
Send submissions to



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The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. The operations described herein are conducted by RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RSG Specialty works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2024 Ryan Specialty, LLC
Insurance Business America 5-Star Program Administrators

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