Customized Business Insurance
Dealerships & Auto Service Shops Insurance
Protect your clients and your inventory.

What is Dealers Open Lot insurance?
Commonly called dealers open lot (DOL) or dealers’ physical damage coverage, refers to physical damage coverage for anything from jet skis to autos, trucks, and even recreational vehicles being held in a dealer’s inventory for resale. DOL coverage provides options of collision, comprehensive, specified causes of loss, or fire and theft. A specialty underwriting program typically provides this coverage, which may offer other program enhancements such as false pretense coverage. There are four basic levels of protection for open lot coverage: unprotected lots, nonstandard protection, standard protection, and building protection.
Unprotected lots have no fencing or barriers against theft protection; nonstandard has some protection level, but the entire inventory is not protected; standard protection means the entire inventory is covered and protected; and building protection means the inventory is always inside a building.
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Frequently Asked Insurance Questions
Currently, insurance carriers are fairly lenient on policy lapses. It is generally a good idea to keep your construction insurance policy and bond in force.
If you have a lapse in coverage and are having trouble finding coverage, one of our construction insurance specialists will do everything to get you insured.
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First Underwriters Construction insurance specialists will shop our network of over 100 admitted insurance carriers and find the lowest down payment and monthly payments.
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If you've been declined elsewhere for prior losses, First Underwriters Construction Insurance Specialists will find a carrier that will meet your insurance requirements and get you back to work.
Call (425) 242-5357