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Dealer open lot FAQs

The most frequently asked questions about open lot coverage.

Dealer open lot FAQs

What classes of business are eligible for this program?

Auto dealerships are eligible to receive a quote.

Do you cover auto inventory in flood zones?

Yes, our program has flood coverage options available for most dealership flood exposures.

Are wind/hail aggregate deductibles available?

Yes, our program includes aggregate wind/hail deductibles; terms will vary by state.

Is coverage available nationwide?

The policy is available in all states except Alaska, Hawaii, Iowa, Kansas (western portion), Louisiana, Montana, North Dakota, South Dakota and Wyoming.

Is the policy form admitted? Who files the taxes?

The form is written on a non-admitted basis. The appropriate premium tax is identified on quote letters and we will file required taxes.

What are your submission timelines?

We accept submissions 90 days prior to the renewal date and submissions must be received no later than 45 days prior to the renewal date.

What information is needed for a quote?

  • A completed application
  • Three most recent years of loss runs
  • Dealership financials, by franchise

For more information, email or connect with your business development contact

Get a quote

To get a quote, complete our auto physical damage application.