Independent Used Car Dealers Insurance

Overview of the Program From PDP Group

This program is designed to address the specific property and casualty needs of independent used car dealers. As an aggregator, PDP Group facilitates access to a SeaFire-underwritten product, helping agents place dealer risks more efficiently and with greater confidence.

Appointed agents receive a comprehensive support package that includes:

• Pre-underwriting of eligible risks to accelerate submissions
• Hands-on training and onboarding for new agents
• Direct bill capabilities to simplify premium collection

Ideal Accounts and Appetite

The program targets independent used car dealerships that maintain on-lot inventory and need broad dealer-related P&C coverage. Typical, well-fitting accounts include:

• Retail used car lots with on-site inventory
• Dealers that offer basic service/repair or in-house financing
• Independent and smaller franchise operations with acceptable loss histories and controls

Example: You might have a mid-sized dealer operating a lot of approximately 50 vehicles with a small service bay and basic customer loaner operations. This program can provide garage liability, dealers open lot coverage, and garagekeepers protection to address the exposures common to that operation.

Coverage Highlights and Advantages

Coverages vary by underwriting but commonly available lines include:

• Garage Liability
• Garagekeepers Legal Liability
• Dealers Open Lot (DOL)
• Property and General Liability
• Errors & Omissions (when applicable)

SeaFire’s underwriting expertise combined with PDP Group’s agent support gives you access to a market-tested product designed for the nuances of used-vehicle operations. The program structure aims to provide competitive terms for accounts that meet underwriting guidelines.

Underwriting Notes and Minimum Premiums

Underwriting focuses on operational controls, inventory management, and loss history. The program is geared toward mid-sized to larger dealerships; the typical minimum premium starts at $20,000. Accounts with frequent losses, significant physical hazards, or complex retail operations may be outside the appetite.

Territories and Availability

The program is available in most states and continues to expand. Currently offered in:

AL, AR, CA, CO, CT, DE, ID, IL, IN, KY, ME, MD, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, OR, PA, SC, TN, TX, UT, VT, VA, WI, WY

Coming soon to New York and Washington.

Where available, the program is offered on an admitted basis in most states, providing the regulatory security many clients prefer.

Why Work With PDP Group?

PDP Group simplifies appointments and places dealer business through an experienced underwriting partner. We streamline submissions with pre-underwriting, provide agent training, and offer direct billing to reduce administrative friction. If you are growing or servicing accounts in the used-auto dealer segment, this program gives you access to specialized underwriting and practical operational support to help close and retain business.

Frequently Asked Questions

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