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DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

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Workers' Compensation Solution for the Transportation Industry Overview — Amwins Underwriting: Workers' Compensation - Transportation Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator. The ASCS Trucking Program offers a consolidated solution that can cover a motor carrier’s full work-related injury exposure for employees and independent contractors. The program combines fleet workers’ compensation, occupational accident, contingent liability and corporate workers’ compensation into a single, streamlined placement. Coverage is provided through an A- XI rated carrier, with claims handled by industry specialists experienced in transportation losses. Ideal accounts and target classes Trucking operations—predominantly long-haul fleets, including auto transport, moving & storage, flatbed haulers, and refuse haulers Couriers and delivery services, including last-mile carriers that work with major platforms Bus companies (passenger transit and charter operations) Insureds in business for at least three years with an established safety program and full-time safety director Coverage highlights and advantages Single-program approach: places multiple related exposures (employee WC, occupational accident, contingent liability, corporate WC) together for consistent handling and policy terms Specialized claims handling through transportation-focused adjusters and teams Capacity with an A- XI rated carrier backing the program Flexible structure to address both employee and contractor exposures typical in transportation operations Underwriting notes and minimum premium The program generally targets established transportation operations with documented safety controls and satisfactory Department of Transportation (DOT) ratings. Minimum premium is $50,000; there is no stated maximum premium. Typical factors underwriters will review include loss history, driver hiring and monitoring practices, hours of service compliance, and whether a dedicated safety director is in place. Excluded operations: hazardous exposures such as gas hauling, explosives, liquid chemicals, or anhydrous ammonia are not accepted. Territories and availability This program is available in the following jurisdictions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. It is positioned as a non-admitted placement (wholesale MGA capacity) to give broader flexibility where appropriate. Why place transportation accounts with Amwins Underwriting Underwriting expertise focused on specialty transportation risks and complex contractor/employee exposures Program structure that reduces the need to stack separate policies across multiple carriers Claims handled by specialists who understand transportation industry loss patterns, which can improve recovery and control costs Responsive wholesale support for agents placing larger or complex transportation risks Example accounts that frequently fit A regional long-haul trucking fleet with a dedicated safety director, three years in business, and a satisfactory DOT rating seeking a single program to cover employee and contractor injuries. A last-mile courier operation with mixed employee and independent-contractor drivers looking to consolidate occupational accident and contingent liability exposures into one placement. Interested in more detail? Visit the program page on the Amwins site: https://www.amwins.com/products/workers-compensation---transportation. Frequently Asked Questions What types of transportation accounts are a good fit for this program?Accounts that typically fit are established motor carriers and delivery operations with at least three years in business, a satisfactory DOT rating, and a full-time safety director. Long-haul trucking, flatbed and auto transport, moving & storage, refuse haulers, couriers/delivery services, and bus companies are core targets. Does the program cover independent contractors as well as employees?Yes. The program is designed to address both employee workers’ compensation and occupational accident coverage for independent contractors, along with contingent liability and corporate workers’ compensation components, all within one placement. What are the key underwriting requirements agents should prepare for?Underwriters will request at minimum: three years of loss history, DOT safety records, evidence of a safety program (including a full-time safety director), driver hiring and monitoring procedures, and details on operations to confirm no excluded hazardous exposures. What is the minimum premium and how is territory handled?Minimum premium for the program is $50,000. The program is available in the states listed on this storefront and is written through an admitted A- XI rated carrier as part of the Amwins underwriting platform; placement is typically handled on a wholesale/MGA basis to provide flexibility for larger or complex risks. Need help placing an account? Connect with a market specialist.