Overview of the Program from Dan Lawrie Insurance Brokers
Dan Lawrie offers a focused commercial automotive program built from years of industry experience and partnerships with specialty markets. The program combines property, liability and automobile coverages with targeted extensions—designed to address the common and unique risks faced by dealerships, service stations and related automotive operations in Ontario.
Your trusted insurance agency in Ontario, Canada
As a broker, you can rely on Dan Lawrie Insurance Brokers for pragmatic underwriting, clear policy comparisons and service-focused placement. Our team understands the operational exposures of the commercial automotive sector and works to deliver solutions that balance protection with competitive pricing.
Coverages we place include:
- Dealerships
- Used car sales
- Dealer plates
- Service stations and repair facilities
- Buildings, contents, stock and equipment
- Owned, customer and courtesy vehicles
- Commercial General Liability (CGL)
- Garage Liability
Additional services and extensions:
- Directors & Officers liability
- Freight liability for logistics specialists
- Recall coverage for product-related exposures
- Customized business interruption and property programs — including contingent business interruption (CBI) and interdependencies (IBI)
- Risk consulting, loss control surveys and recall-plan development advice
- Public and general liability coverage enhancements
- Engineering and construction cover for new production sites or expansions
- International insurance programs for worldwide operations
- Cargo coverage for goods in transit or storage, including international transit programs
Ideal Accounts and Appetite
- Independent used car dealerships and dealer-plate operations
- Service stations, quick-service repair shops and multi-bay garages
- Smaller dealer groups and independent parts distributors
- Accounts that require combined property, auto and garage liability solutions
We generally prefer accounts with documented loss-control practices and clear operations. High-frequency severe liability or large-scale manufacturing operations should be discussed with underwriting before submission.
Coverage Highlights and Advantages
- Integrated packages for property, auto (owned and customer vehicles) and garage liability to reduce gaps between policies.
- Extensions for recall, freight and cargo exposures that matter to dealers and distributors.
- Risk consulting and loss-control support to help clients reduce losses and meet underwriting criteria.
- Capacity to assemble international programs for dealers or suppliers with cross-border operations.
Underwriting Notes
- Preferred submissions include a clear description of operations, loss runs, and details on vehicle mix (owned vs. courtesy vs. customer).
- We consider dealer plate usage, service operations and parts sales; heavy manufacturing or large fleet-only accounts may require referral.
- Loss history and documented risk-management procedures materially affect terms and capacity.
Territories and Availability
This program is focused on Ontario, Canada. For accounts with multi-provincial or international exposure, we can assist with broader placement through our wholesale markets and international program partners—please disclose geographic operations on submission.
Why Work with Dan Lawrie Insurance Brokers
- Specialized expertise in commercial automotive risks and dealer/service exposures.
- Practical, service-oriented underwriting and claims support to help brokers place and retain business.
- Flexible program design that combines standard coverages with industry-specific extensions.
Example fits:
- You might have a mid-size used-car dealership that needs combined dealer plate coverage, garage liability and stock/property protection — Dan Lawrie can provide a package submission tailored to those needs.
- You might place a service station that requires coverage for owned vehicles, customer vehicles and parts inventory with business-interruption and recall extensions — our program packages those exposures efficiently.
Contact Dan Lawrie Insurance Brokers to discuss specific account details, preferred submission materials, and any specialty extensions your client requires. We’ll help you structure a comparison of coverage, service and value so you can present a strong option to your insureds.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Dealerships (used car sales and dealer plates), service stations, small repair shops and businesses that need combined property, auto and garage liability solutions in Ontario are ideal fits.
Which coverages are commonly included in a single package?
Typical placements include buildings/contents/stock, owned and customer vehicles, commercial general liability, garage liability and optional extensions such as recall, freight/cargo and contingent business interruption.
What submission information does underwriting want?
Provide a description of operations, recent loss runs, vehicle schedules (owned, courtesy, customer), details on dealer plate usage, and any loss-control or recall plans to speed placement and improve terms.
Is this program available outside Ontario?
The core program focuses on Ontario. For multi-province or international exposures, we can coordinate broader placement through our market partners—disclose all territories on submission.
Does Dan Lawrie provide risk-control support?
Yes. The program includes access to risk consulting, customized loss-control surveys and advice on recall plan development to help reduce exposures and support underwriting.
Need help placing an account? Connect with a market specialist.