SeaFire Insurance Services offers a specialized
Franchised Motorcycle Dealer Insurance Program designed specifically to meet the unique needs of franchised motorcycle dealerships. With broad coverage options, competitive premiums, and top-tier claims handling, this program is tailored for agents and brokers seeking reliable protection for clients in the motorcycle dealership industry.
Ideal Accounts and Appetite
This program is built for franchised motorcycle dealers operating in the retail space. Ideal risks include established dealerships selling new motorcycles under a franchise agreement with a manufacturer. Operations may also include used motorcycle sales, parts and accessories, service/repair, and financing.
This program is not intended for non-franchised or independent motorcycle dealers, powersports rental operations, or dealers with a history of frequent losses.
You might have a client who owns a multi-line motorcycle dealership with a service and parts department—they would be an excellent fit for this program.
Coverage Highlights and Advantages
Coverage is provided by the Chubb Group of Insurance Companies*, known for its financial strength and claims service excellence. Available coverages include:
- Auto Inventory
- Property
- Crime
- Garage Liability
- Employment Practices Liability
- General Liability
- Errors & Omissions
- Umbrella
- Workers’ Compensation
Program Advantages:
- Proprietary, innovative insurance products
- Underwriting teams with over 100 years of combined experience
- Deep expertise in franchised auto and motorcycle risks
- Efficient service from application to policy issuance
- Stable, top-rated carrier backing
Underwriting Notes and Minimum Premiums
The program is offered on a limited appointment basis. SeaFire partners with agents and brokers who have scale, brand, and expertise in auto/motorcycle dealer insurance. The minimum premium is $20,000. Accounts below this threshold may not be eligible for consideration.
Territories and Availability
The program is available nationwide, except in Louisiana, Massachusetts, Alaska, and Hawaii. Admitted coverage is offered in all available states, including key markets such as CA, TX, NY, NJ, FL, and WA.
Why Work With SeaFire Insurance Services
SeaFire Insurance Services is a trusted program administrator with deep niche expertise in dealership programs. By partnering with Chubb, SeaFire delivers both strength and flexibility—giving agents access to a tailored product backed by a carrier with a consistent market presence. From underwriting to policy issuance, SeaFire emphasizes responsive service and long-term relationships with retail agents.
Additional limited appointment programs are available for:
- Franchised Auto Dealers
- Franchised RV Dealers
SeaFire also offers an
Environmental Liability Policy on an
open brokerage basis.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for franchised motorcycle dealerships that sell new bikes, offer service and parts, and maintain a strong operational history.
Is this program available nationwide?
Yes, the program is available in most states, with the exception of Louisiana, Massachusetts, Alaska, and Hawaii.
What is the minimum premium for this program?
The program requires a minimum premium of $20,000. Smaller accounts may not meet eligibility requirements.
Which carrier underwrites this program?
Coverage is provided by the Chubb Group of Insurance Companies, a top-rated and financially stable insurance carrier.
How can I get appointed with SeaFire Insurance Services?
Appointments are limited. Interested agents can apply through SeaFire’s online application to be considered for partnership.
Need help placing an account? Connect with a market specialist.