https://completemarkets.com/company/pdpgroupinc/dealer-open-lot-insurance/
At PDP Group, we are proud to offer an exclusive Dealer Open Lot Insurance Program through our strategic partnership with SeaFire Insurance Services. Since 1967, PDP Group has been a trusted leader in the automotive insurance space, delivering tailored solutions to dealerships and auto industry professionals nationwide.
PDP Group facilitates agent appointments for access to the SeaFire Dealer Open Lot Program—designed to meet the unique needs of auto dealers with comprehensive and customizable protection.
Overview of the Program From PDP Group
Our Dealer Open Lot Insurance Program is built to safeguard your auto dealer clients against a wide array of exposures that arise from owning and managing vehicle inventory. Through our collaboration with SeaFire Insurance Services, this exclusive offering allows appointed agents to provide robust coverage options tailored for both independent and franchised dealerships.
Ideal Accounts and Appetite
This program is ideal for:
Franchised and independent auto dealerships
Used car lots with significant on-site inventory
Dealerships with open lot exposure in urban, suburban, or rural markets
You might have a client who operates multiple dealership locations across state lines or a large used car lot seeking high-value vehicle inventory protection—this program is built to handle both.
Coverage Highlights and Advantages
Our Dealer Open Lot Insurance Program includes a broad range of coverages to protect against common and complex risks in the auto dealer environment:
Crime
Garage Liability
Auto Inventory
Errors and Omissions
Umbrella Liability
Comprehensive
Collision
False Pretense
Economic Loss
Government Confiscation
These coverages help mitigate losses from theft, damage, legal liability, and other operational exposures specific to dealerships.
Underwriting Notes and Minimum Premiums
The program is available with a minimum premium requirement of $10,000. Our underwriting team evaluates each submission with a focus on inventory values, lot security, location, and dealership operations. We work closely with appointed agents to craft suitable solutions for their clients.
Territories and Availability
This program is available in all 50 states, including Washington D.C. No matter where your client operates, we can help you offer consistent, reliable protection for their dealership operations.
Why Work With PDP Group
PDP Group has decades of experience serving the auto industry and a deep understanding of dealer-specific coverage needs. As a trusted aggregator, we provide agents with exclusive access to niche programs like the SeaFire Dealer Open Lot Insurance. Our responsive team helps streamline the appointment and quoting process, ensuring that you can deliver value to your clients quickly and efficiently.
Let us help you secure the right protection for your dealership clients—partner with PDP Group today.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for franchised or independent auto dealerships with significant on-lot vehicle inventory. High-volume used car lots and multi-location dealers are also a strong fit.
What is the minimum premium for this program?The minimum premium for the SeaFire Dealer Open Lot Insurance Program is $10,000.
In which states is this program available?This program is available in all 50 states and Washington D.C., offering nationwide access for agents and their clients.
How do I get appointed to access the program?Agents must apply through PDP Group to become appointed and gain access to the exclusive SeaFire Dealer Open Lot Insurance Program.
What coverages are included in the program?The program includes Crime, Garage Liability, Auto Inventory, E&O, Umbrella Liability, Comprehensive, Collision, False Pretense, Economic Loss, and Government Confiscation.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Local-Long-Haul-Trucking/
Amwins National Transportation Underwriters offers deep industry expertise and broad market access that spans all corners of the commercial auto market.
Overview of the Program from Amwins Underwriting
Amwins Underwriting’s Local/Long Haul Trucking program provides agents with flexible placement options for owner-operators up through large fleets. The program is built around transportation-focused underwriting, multiple coverage parts, and access to a variety of admitted and non-admitted capacity. Use this program when you need tailored commercial auto solutions that include liability, physical damage, cargo, and ancillary coverages designed for both short-haul local operations and regulated long-haul exposures.
Ideal Accounts and Appetite
Owner-operators and single power-unit accounts (including passenger accident options)
Regional and national motor carriers with mixed local/long-haul operations
For-hire carriers, private fleets, and dedicated account operations
Dry van, refrigerated, flatbed, and select specialized haulers (depending on underwriting)
Typical risks that fit this program have formal driver hiring and safety policies, regular maintenance records, and clear cargo handling controls. Accounts with high loss frequency, severe CSA history, or unusual hazardous cargo should be submitted with full loss runs and underwriting notes and may require specialty capacity.
Coverage Highlights and Advantages
Primary Auto Liability — tailored limits for both local and long-haul exposures
Non-Trucking Liability — coverage for owner-operators when equipment is used off-hire
Physical Damage — comprehensive and collision options for power units and trailers
Motor Truck Cargo — coverage for common carrier and contract carrier exposures
General Liability and Excess Liability — layered solutions to protect overall risk
Occupational Accident and Passenger Accident Insurance — options for different driver classifications and passenger exposures
By packaging multiple parts through Amwins, you can present insureds with coordinated limits and consistent underwriting across liability, cargo and physical damage — a benefit for accounts with mixed operations or multiple vehicle types.
Underwriting Notes and Minimum Premiums
Underwrites consider fleet size, driving history and CSA performance, cargo types, radius of operations, and loss control practices. Expect to submit a completed application, recent loss runs, MVRs, and vehicle schedules for most submissions. Minimum premiums and pricing vary by carrier and underlying capacity; discuss market options with your Amwins contact or consult the program’s market availability link below for current appetite and delegated authorities.
Territories and Availability
This program places trucking business in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Availability may vary by state and by carrier appetite.
For the latest market availability and specific state restrictions, see Amwins transportation capabilities.
Why Work with Amwins Underwriting on Local/Long Haul Trucking
Transportation-focused underwriting teams with broad carrier relationships provide placement options across admitted and non-admitted markets.
Ability to combine multiple coverage parts (liability, physical damage, cargo, excess) for cleaner presentations and more complete offers to clients.
Scalable appetite — from single-unit owner-operators to multi-state fleets.
Access to specialized coverages like occupational and passenger accident for driver and passenger exposures.
Example Accounts
A regional dry-van carrier with 25 power units that needs primary liability, physical damage, and motor truck cargo limits coordinated under one program.
An owner-operator who leases to multiple brokers and requires non-trucking liability plus occupational accident options — ideal for single power-unit submissions.
Submission Tips for Agents
Include current loss runs (three years preferred), MVRs, vehicle schedules, and details on cargo and routes.
Document safety programs, drug testing, and maintenance logs to improve placement chances and pricing.
When possible, provide a summary of CSA history and any remedial actions taken for prior violations.
Frequently Asked Questions
What types of trucking accounts are a good fit for this Amwins program?This program fits owner-operators, local delivery operations, regional haulers, and national fleets that need coordinated liability, cargo, and physical damage coverage. Accounts with clear safety programs and standard cargo types (dry van, reefer, flatbed) are the best fit.
Which coverage parts can I package through Amwins Underwriting?You can assemble primary auto liability, non-trucking liability, physical damage, motor truck cargo, general liability, excess liability, and occupational/passenger accident coverages depending on the account and available markets.
Are placements admitted or non-admitted?Amwins works with a mix of admitted and non-admitted carriers to provide placement flexibility. Specific admitted status depends on the carrier selected and state regulations for the risk.
What documents should I include with a submission?Provide a completed application, recent loss runs (typically 3 years), vehicle schedules, driver MVRs or summaries, CSA information, and details on cargo, routes, and safety programs to expedite underwriting.
Where can I find current market availability?Refer to the program’s market availability page at the link above for the latest carrier appetites, state restrictions, and delegated authority details.
Need help placing an account? Connect with a market specialist.