Ideal Accounts and Appetite
SeaFire's program is a strong fit for agents working with established franchised auto dealerships that require specialized protection across multiple risk areas. Ideal clients include dealerships with new vehicle inventory, high-value property, and complex operations that require tailored insurance solutions. SeaFire also offers similar programs for franchised motorcycle and recreational vehicle dealers.
Not available in Louisiana, Massachusetts, Alaska, or Hawaii, the program serves most of the U.S. market with a focus on agents who have experience in the auto dealer space and the operational scale to support these accounts.
Coverage Highlights and Advantages
Available coverages include:
- Auto Inventory
- Property and Crime
- Garage Liability
- Employment Practices Liability (EPLI)
- General Liability
- Errors and Omissions (E&O)
- Umbrella / Excess Liability
- Workers’ Compensation
All coverages are underwritten by the Chubb Group of Insurance Companies, providing peace of mind with a financially stable and top-rated carrier.
Key program advantages include:
- Dedicated underwriting teams with deep industry knowledge
- Access to innovative, proprietary insurance products
- Responsive service from submission through policy issuance
- Nationwide reach (excluding a few states)
Underwriting Notes and Minimum Premium
SeaFire’s Franchised Auto Dealers Insurance Program is available on a limited appointment basis. The minimum premium starts at $25,000, making it best suited for mid- to large-sized dealership operations. SeaFire seeks to partner with retail agents and brokers who have the experience, brand strength, and client base to support this specialized market.
Territories and Availability
This program is available in most states, including AL, AR, CA, CT, DE, ID, IN, KS, KY, ME, MD, MI, MS, MO, MT, NH, NJ, NY, NC, OR, PA, SC, TN, TX, UT, VT, VA, WA, DC, WI, and WY. It is not available in Louisiana, Massachusetts, Alaska, or Hawaii.
Why Work With SeaFire Insurance Services?
As a program administrator with a focused approach, SeaFire Insurance Services offers a streamlined experience for agents looking to place complex auto dealer risks. From expert underwriting to efficient processing and high-touch service, SeaFire is committed to delivering a competitive edge to its appointed producers.
If you are interested in becoming appointed with SeaFire, please complete their
online application.
Additional limited appointment programs are available for:
- Franchised Motorcycle Dealers
- Franchised Recreational Vehicle Dealers
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Frequently Asked Questions
What types of accounts are a good fit for this program?
Mid- to large-sized franchised auto dealerships with new car inventory, service operations, and high-value property are ideal fits.
Is this program available in all states?
No, it is available in most states but excludes Louisiana, Massachusetts, Alaska, and Hawaii.
What is the minimum premium for this program?
The program starts at a minimum premium of $25,000, making it best suited for larger dealership operations.
Can independent agents get appointed with SeaFire?
Yes, but SeaFire uses a limited appointment model and seeks agents with experience, scale, and expertise in auto dealer insurance.
What carrier underwrites the coverage?
The program is underwritten by the Chubb Group of Insurance Companies, a top-rated and financially stable carrier.
Need help placing an account? Connect with a market specialist.