Auto dealers contend with threats to expensive inventories that are exposed, quite literally, to distinct environmental and human dangers. Add to that the evolving challenge of keeping compliant with state regulations. Operating a lucrative and safe dealership takes experience and a lot of work.

At First Underwriters’, we take the wheel. Our experience comes from serving  franchised and independent auto dealers in Western United States. We know that keeping your business protected from costly claims and higher insurance rates involves more than an insurance policy. That means avoiding claims so your insurance never gets triggered.

Not only do we place your coverage with an insurer that offers policies crafted for auto dealers, we also help control your losses by providing risk management programs refined over years of implementation. These programs are directed by our First Underwriters’ Loss Control Specialists. We put programs in place after accessing your areas of risk and use methods that combine education, training, communications, audits and quarterly reviews to make adjustments. And should you have a loss, we help resolve your claim efficiently and look for patterns that can be broken to prevent future losses.

First Underwriters Auto Dealership Risk Management Services:

  • Hiring protocols
    • Background investigations
    • Drug screenings
    • Physicals
    • MVR reports
  • Auto accident prevention for mechanics and customer test drives
  • Theft prevention
  • Employee and customer injury avoidance
  • OSHA and regulatory compliance
  • Workers’ Compensation coordination
Hotel Insurance Coverages

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

The Commercial Auto policy will pay “sums” for which the insured is legally liable because of bodily injury or property damage to which the insurance applies. Therefore, while covered bodily injury or property damage is required to trigger coverage, recovery under the policy can actually go beyond these types of damages.

Auto Physical Damage is coverage for damage to autos owned by the insured, and it’s completely optional (unless required by a lender). Physical damage coverage is divided into loss caused by collision, and loss caused by something other than collision. (The latter category is frequently referred to as comprehensive coverage, but in reality, “comprehensive coverage” is one of two types of coverage for loss caused by “other than collision.”) These are separate coverages, with different rates, and at the insured’s option, different deductibles. They can be purchased separately or in combination.

The hired auto and nonowned auto liability endorsement is appropriate for use only if the insured entity does not own any automobiles. In fact, ISO Commercial Lines Manual rules specify that the endorsement is not available to insureds that have another policy covering commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just “hired autos,” just “nonowned autos,” or both, as indicated in the endorsement schedule.

The hired auto and nonowned auto liability endorsement is appropriate for use only if the insured entity does not own any automobiles. In fact, ISO Commercial Lines Manual rules specify that the endorsement is not available to insureds that have another policy covering commercial auto exposures. It provides coverage for bodily injury and property damage liability in connection with just “hired autos,” just “nonowned autos,” or both, as indicated in the endorsement schedule.

- Risk Management Services -

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