AmWINS Underwriting
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AmWINS Underwriting
Contact Us
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DealerGuard - Auto Dealers Open Lot
For over 25 years, the DealerGuard insurance program has provided open lot physical damage coverage for franchised and large independent auto dealers, associations, and finance company floorplans. 

• Franchised auto dealers or large independent auto dealers

• Low demo/employee ratio (<10%)
• Low loss ratio (<30% current year, 40% prior three years)
• 5+ years in operation (franchised), 3+ years in operation (IAD)

Eligible Risks:
- Franchised automobile dealers. Typical operations include: sales of new and used vehicles, with incidental operations including vehicle maintenance, service, and repair.  Minimum account premium is $10,000. - Dealer Open Lot coverage is available in conjunction with Manufacturer and Floorplan coverage  
Ineligible Risks:
- Auto (daily or weekly) rental operations - Boat dealers 

Coverages Offered:

Dealer's Open Lot 

- Available for “non-floored only” when necessary
- Inventory protection is available for motorcycle and bus dealers

Other Coverage Available (separate policies):
- Pollution and Underground Storage Tank

Beyond coverage, precision crafted services include:
- Loss control and consultative services - Claims management provided by nationally recognized third party administrator - Client focused service team

Submission Requirements:
- Completed DealerGuard Application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of most recent month end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles

Please send submissions to:

When completing the applications, please be sure to include the Date a Quote is Required and the Expiring and/or Target Premiums.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
  • Carriers:
  • Carrier Ratings:
  • Commission:
  • Min Premium:


Request a Quote Now!



4725 Piedmont Row Dr., Ste 600
Charlotte, NC 28210
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AmWINS Underwriting has other insurance programs like Apartment / HOAs / Commercial LRO.