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Ryan Specialty National Programs
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Ryan Specialty National Programs
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Franchised Auto Dealers Package Insurance Program


 Ryan Specialty National Programs brings over 50 years of combined experience to the automotive industry, offering retail agents a comprehensive Franchised Auto Dealers Package Insurance Program. This program is designed to protect more than just vehicle inventory—it addresses the full spectrum of risks franchised auto dealers face in today’s market. With access to a wide range of competitive carriers and broad coverage forms, you can confidently place accounts knowing your clients are backed by strong markets. This program is available in most states and includes a stand-alone Dealers Open Lot (DOL) coverage option.

Ideal Accounts and Appetite

The Franchised Auto Dealers Package is specifically tailored for:
  • Franchised new car dealerships
  • Franchised new RV dealerships
If you have clients operating authorized, brand-name dealerships with showroom, service, and sales operations, this program is built for them. It is not intended for independent or used-only dealers.

Coverage Highlights and Advantages

This package offers a robust set of protections, including:
  • Auto Dealers Liability – limits up to $1,000,000
  • Errors & Omissions enhancements – including Title E&O, Insurance Agents E&O, and Truth-in-Lending coverage
  • Disclosure liabilities – Odometer Alteration, Auto Damage, Auto Parts, and Used Car Buyer’s Guide
  • Legal Defense for product-related damages
  • Garagekeepers and Garage Liability – including Blanket Garagekeepers Comprehensive and Garage Identity Theft Vicarious Liability
  • Property and business income – Agreed Value BPP, Equipment Breakdown, and Actual Loss Sustained BI/EE
  • Crime and Cyber Liability – including Computer and Funds Transfer Fraud
  • Employment Practices Liability Insurance (EPLI) with 3rd party coverage
  • Umbrella coverage – limits up to $10,000,000 with 2x aggregate
  • Dealers Physical Damage, Driveaway Collision, False Pretense, and Economic Loss coverage
Also available are Direct Bill and Agency Bill options, guaranteed cost with no audits or monthly reporting, and flexible installment plans.

Underwriting Notes and Submission Requirements

To quote, submit the following:
  • Completed package and supplemental applications
  • 4 years of currently valued loss runs
  • Current financials
  • Copies of demo and loaner agreements
  • Target pricing or expiring premium
Minimum premiums vary based on the individual risk profile.

Territories and Availability

This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, DC, WV, WI.

Why Work With Ryan Specialty National Programs?

As a trusted program administrator, Ryan Specialty National Programs offers niche expertise in the auto dealer segment. Their underwriting team understands the unique exposures of franchised dealerships and delivers tailored solutions through strong carrier relationships. Whether your client is a high-volume dealership or a growing RV lot, you can access broad, competitive coverage with consistent service and underwriting support.

Frequently Asked Questions

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

This program is ideal for franchised new car and RV dealerships with showroom, sales, and service operations. Independent or used-only dealers are not within appetite.

Is Dealers Open Lot (DOL) coverage available on a stand-alone basis?

Yes, in most states, stand-alone DOL coverage is available through this program as a companion offering.

What are the billing options available?

Both Direct Bill and Agency Bill options are available, with flexible installment plans to fit client needs.

Is this program admitted or non-admitted?

This program is non-admitted and placed through various carrier partners.

What documentation is required to submit a risk?

You'll need completed applications, 4 years of loss runs, current financials, demo and loaner agreements, and target pricing or expiring premium.

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:
    -

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CONTACT INFORMATION

LOCATION

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

Broker Agreement
Agency and/or Individual Producer License(s)
Errors and Omissions Declarations Page (Min: $1M Limits)
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