For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Ryan Specialty National Programs
Contact Us
contact_phone Click to call
Ryan Specialty National Programs
Contact Us
contact_phone Click to call

Dealers Open Lot Insurance

Overview of the Program From Ryan Specialty National Programs

RSG National Specialty Programs, part of Ryan Specialty, offers a robust Dealers Open Lot Insurance program designed specifically for franchised and large non-franchised auto, motorcycle, truck, RV, and ATV dealers. With more than 50 years of combined experience in the dealer insurance space, our team understands the unique risks and operational challenges these businesses face. We help retail agents nationwide place this specialty coverage with confidence.

Ideal Accounts and Appetite

Our Dealers Open Lot program is tailored for:
  • Franchised new car dealerships
  • Franchised new motorcycle dealerships
  • Franchised new truck dealerships
  • Large non-franchised vehicle dealers
  • ATV and RV dealerships
You might have a client operating a multi-location RV dealership or a large franchised motorcycle dealer — both would be excellent fits for our program. We are not currently writing in AR, KS, or OK.

Coverage Highlights and Advantages

We provide flexible, comprehensive protection designed to meet the specific needs of dealership operations:
  • Comprehensive and Collision coverage
  • False Pretense, including coverage for wholesalers
  • Economic loss and weather reimbursement
  • 10-day Spot Delivery Coverage
  • Stated Amount Coverage available
  • Coverage for lease returns and impending damage
  • Towing and storage sub-limits
  • Watercraft Physical Damage
  • Paint-less dent repair discounts
Additional features include broadened form coverage, Earth Movement, and Tier I wind exposure options.

Underwriting Notes and Minimum Premiums

Our minimum premium starts at $5,000. We eliminate the administrative burden by offering:
  • No audits
  • No monthly inventory reporting
  • Direct bill options with no finance charge
To submit, agents should provide:
  • A completed supplemental application
  • Monthly Inventory Statement of Values or financials (page 1)
  • 3 years currently valued loss runs with explanations for large claims
  • Target pricing or expiring premium

Territories and Availability

This program is available in most states across the U.S., excluding Arkansas, Kansas, and Oklahoma. All other states, including CA, TX, NY, FL, and many others, are eligible. The program is written on a non-admitted basis through financially stable carriers.

Why Work With Ryan Specialty National Programs

As a program administrator with deep expertise in the dealership segment, Ryan Specialty National Programs offers a stable, long-term solution for your Dealers Open Lot clients. We bring decades of underwriting experience, national licensing capabilities, and a carrier lineup that supports customized solutions. Our streamlined submission process and excellent service make us a strong partner for agents placing complex dealership risks. Contact us today for more information on our Dealers Open Lot Insurance program!

Frequently Asked Questions

What types of accounts are a good fit for this program?

We specialize in franchised new car, motorcycle, and truck dealerships, as well as large non-franchised vehicle, ATV, and RV dealers.

Is monthly inventory reporting required?

No, our program does not require monthly reporting, making it easier for your clients to manage their coverage.

What is the minimum premium for this program?

The minimum premium starts at $5,000, depending on the account specifics and underwriting details.

In which states is the program available?

The program is available in all U.S. states except Arkansas, Kansas, and Oklahoma.

What documents are required for submission?

Submit a supplemental application, current inventory or financials, 3 years of loss runs with explanations, and target pricing or expiring premium details.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Competitive
  • Min Premium:
    $5,000

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

10150 York Road, 5th Floor
Hunt Valley, MD 21030
800-366-5810
0B84526
View Map

AGENCY LICENSING

Broker Agreement
Agency and/or Individual Producer License(s)
Errors and Omissions Declarations Page (Min: $1M Limits)
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
Ryan Specialty National Programs has other insurance programs like Alarm Companies Insurance.