Overview — Seafire's Franchised Auto Dealer Environmental Program
Seafire Insurance Services offers a specialized Franchised Auto Dealer Environmental Insurance Program designed for franchised automobile dealers and their service operations. The program provides environmental liability protection for common dealer exposures and is underwritten with capacity from the Chubb Group of Insurance Companies*.
Coverage highlights
- Limits available up to $1,000,000
- Coverage examples include:
- New pollution incidents at insured sites,
- Liability for non-owned disposal sites, and
- Transported cargo liability.
Why agents use this program
The program is built for brokers and agents placing franchised dealers who need focused environmental solutions. Seafire combines a streamlined application and a simple underwriting process with quick quote, bind and issue service — backed by a team with more than 100 years of underwriting experience and industry specialization.
Ideal accounts and appetite
- Franchised new-car dealers with on-site service departments, parts storage and routine maintenance operations.
- Dealers that handle vehicle fluids, small-scale parts inventory, and short-term transport of vehicles or parts (fits for transported cargo coverage).
- Generally suited to small and mid-sized dealerships; accounts with complex historical contamination, large bulk storage, or major remediation needs typically require a different placement approach.
Underwriting notes & minimum premiums
Seafire emphasizes a fast, straightforward underwriting workflow. You can register and submit applications quickly — the program provides a streamlined application and expedited response times for eligible accounts. Minimum premium: Varies by risk and location; contact Seafire for current quoting thresholds.
Territories & availability
Nationwide availability for the continental U.S. — the program is available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Confirm state eligibility and filing requirements with Seafire at submission.
How to get started
To begin placing business with Seafire's environmental program:
- Register with Seafire,
- Review program details and download the application here, and
- Submit qualified accounts and begin binding environmental coverage for your franchised dealer clients.
Example accounts that fit well
- You have a franchised dealer with a service department that performs routine maintenance and short-term vehicle storage — the program can provide site pollution coverage and transported cargo protection.
- You represent a multi-location franchised dealer network seeking consistent environmental terms and quick turnaround across several continental U.S. locations.
Why work with Seafire on this business
Seafire combines program administration expertise with access to top-tier markets (coverage by the Chubb Group of Insurance Companies*) and a focus on fast, practical solutions for agents. The program is tailored for franchised dealers and aims to reduce underwriting friction while delivering market capacity and service.
For additional program details and to review forms, visit Seafire's Franchised Auto Dealer Environmental Insurance Program page and company website at Seafire Insurance Services.
___________________________________________________________________