Ideal Accounts and Appetite
NetGuard™ Plus is an excellent fit for retail and franchise auto dealerships — both new and used — that collect and store customer personal information, run online finance or service portals, process electronic payments, or use cloud services and third-party vendors. The program favors accounts with documented cybersecurity controls, but is also designed to serve tech-forward, multi-location franchise operations.
Coverage Highlights and Advantages
NetGuard™ Plus provides broad, dealer-focused protections and practical response resources:
- Separate large breach response limits so third-party defense limits remain intact
- Network asset protection including business interruption and data recovery expenses
- Coverage for PCI fines and penalties, plus related defense costs
- Notification and credit monitoring expense coverage — even when not strictly required by law
- Pre-emptive public relations expense coverage to help mitigate brand and reputational harm
- No blanket exclusions for cloud-based systems or social media platforms
Limits are available up to $10 million, and insureds gain access to experienced breach response vendors to manage legal, forensic, notification, and PR needs efficiently.
Underwriting Notes and Minimum Premiums
Minimum premium starts at $750. NAS Insurance Services underwrites each submission with attention to the dealer’s network security posture, vendor management, PCI compliance, and prior loss history. Strong internal controls, multi-factor authentication, regular patching, and written data-handling procedures improve placement prospects and pricing.
Territories and Availability
Available on a non-admitted basis in all 50 states plus Washington, D.C., NetGuard™ Plus is underwritten by Lloyd’s of London and other highly rated carriers. Use this program when admitted capacity is not required or when you need broader cyber terms tailored to dealership operations.
Why Work With NAS Insurance Services
As a managing general underwriter with deep cyber expertise, NAS Insurance Services combines responsive underwriting, flexible coverage design, and access to top breach response vendors. We focus on dealer-specific exposures so you can place accounts ranging from single-location used car dealerships to large, multi-franchise operations with confidence.
Example scenarios: You might have a client who operates a multi-location franchise that uses third-party cloud CRM and processes finance applications online, or a single-location used-car dealer that accepts card payments and stores customer credit applications — both can be good fits for NetGuard™ Plus when controls and underwriting details align.
Partner with NAS Insurance Services to place your next Cyber Liability Insurance for Auto Dealers account. Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of auto dealers are eligible for this cyber liability program?
This program is designed for both new and used car dealerships, including franchise and independent dealers that collect customer data or process electronic transactions.
Is there a minimum premium for this program?
Yes, the minimum premium starts at $750, making it accessible for a wide range of dealership sizes and risk profiles.
Does the policy cover cloud-based systems and social media exposures?
Yes, the coverage includes protection for cloud-based systems and social media use, with no exclusions for these platforms.
Can I offer this program to clients in any state?
Yes, this program is available in all 50 states plus Washington, D.C., on a non-admitted basis through top-rated carriers.
What support is available in the event of a data breach?
Insureds have access to a dedicated breach response team, including legal, IT forensics, public relations, and notification services.
Need help placing an account? Connect with a market specialist.