Franchised Auto Dealers Package Program

Exclusive market with no audits and no monthly reporting

Retail insurance agents can help their franchised auto dealer clients protect more than just their vehicle inventory. Ryan Specialty National Programs provides access to industry-leading carriers and competitive coverage forms which are tailored specifically to the needs of franchised auto dealers. Our companion program can also help with stand-alone Dealers Open Lot (DOL) coverage.

Program Highlights

  • Admitted market
  • Guaranteed cost
  • No audits
  • No monthly reporting
  • Direct and Agency bill options with installments
  • Minimum premium varies based on risk
  • Competitive site specific pollution liability policy available

Target Classes

  • Franchised new car dealerships
  • Franchised new RV dealers


  1. Is your product Admitted? Yes, our carrier for the package program is admitted in all states, excluding AK, HI, MA, and NY.
  2. Can your program compete with the direct writers? Yes, the package program provides Dealer E&O coverages up to $1,000,000 limits, building on Agreed value, Business Income / Extra Expense on actual loss sustained and Garagekeepers coverage options.


  • Auto Dealers Liability up to $1,000,000
  • E&O Enhancements with limits up to $1,000,000
  • Title E&O
  • Insurance Agents E&O
  • Odometer Alteration Liability
  • Truth in lending or leasing
  • Auto Damage Disclosure
  • Auto Parts Disclosure
  • Used Car Buyer’s Guide Disclosure
  • Legal Defense and Product-Related damages
  • Broad Form DOC for named individuals
  • Broad Form Products and Work Performed
  • Hired / Non-Owned Auto Liability and Physical Damage
  • Blanket Garagekeepers Comprehensive
  • Garage Identity Theft Vicarious Liability
  • Building and BPP Agreed Value
  • False Pretense Coverage for stock
  • BI / EE – Actual Loss Sustained
  • Utility Services Time Element
  • Equipment Breakdown
  • Employee Tools, EDP, Accounts Receivable and Valuable Papers
  • Crime including Computer and Funds Transfer Fraud
  • Cyber Liability
  • EPLI – including 3rd Party coverage
  • Umbrella Limits up to $10,000,000 with 2x Aggregate
  • Dealers Physical Damage
  • False Pretense
  • Dealers Driveaway Collision
  • Economic Loss
  • Site Specific Pollution Liability

Submission Requirements

  • Completed Package and Supplemental Applications
  • 4 Years currently valued Loss Runs
  • Current Financials and copies of the Demo & Loaner Agreements
  • Target pricing or expiring premium


Mike Blondin
Product Line Manager
P: 443-318-6119
John Cooper
P: 516-986-5277
Aaron Krupka
P: 443-318-6241
Kevin Gast
Vice President
P: 443-318-6188
M: 443-844-4440
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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