https://completemarkets.com/company/Amwinsunderwriting/Auto-Dismantlers/
Property & Casualty Insurance Coverage for Auto Dismantlers
Endorsed by the Automotive Recyclers Association
Amwins Program Underwriters, part of the Amwins Underwriting division, offers a dedicated Auto Dismantlers program designed for risks primarily engaged in dismantling vehicles and selling used parts. This program pairs specialized underwriting with broad coverage options backed by an A.M. Best rated "A" carrier and more than 30 years serving the automotive recycling industry. Use this program to place accounts that need industry-specific forms, flexible inland marine and conversion coverages, and tailored loss control considerations.
Overview of the Program From Amwins
This program is built for agents who need a single-market solution that understands the unique exposures of dismantlers, recyclers, salvage dealers, and self-service yards. Amwins underwriters evaluate operations with a focus on core dismantling activities and will consider accounts with ancillary businesses when the primary exposure remains auto dismantling. The program emphasizes risk selection, experienced claims handling, and flexible packages that combine property, liability, inland marine and specialty protections.
Ideal Accounts and Appetite
Target classes:
Automotive dismantlers
Self-service yards
Auto recyclers
Scrap yards
Scrap dealers
Salvage yards
Typical accounts have a higher percentage of dismantling and used-parts sales versus unrelated operations. The program generally prefers operations with organized parts inventory, secured storage, basic environmental controls, and documented salvage handling procedures. High-volume salvage-only operations, contractors, or businesses where dismantling is a minor sideline may be outside the primary appetite — submit for review if operations are mixed.
Coverage Highlights and Advantages
Package capability including Property and General Liability tailored to dismantlers
Specialty inland marine for parts inventory and transit exposures
Crime and conversion coverage for inventory risks unique to recycled parts
Employment Practices Liability, Cyber, Equipment Breakdown and Umbrella options
Workers' compensation available — click here to learn more!
Underwriting developed specifically for automotive recycling exposures and salvage operations
Underwriting Notes and Minimum Premiums
Underwriting emphasizes the percentage of core dismantling activity, site security, inventory controls, and environmental practices. Key submission items include a completed application, loss runs (typically 3–5 years), site photos showing storage and security, and details on inventory controls and salvage handling. Minimum premium: Varies by state and coverage — contact Amwins underwriting for state-specific minimums and availability.
Territories and Availability
This program is available in the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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 and specific terms may vary by state; please confirm with underwriting for admitted vs. non-admitted options and any state-specific forms.
Why Work With Amwins on Auto Dismantlers Business
Niche underwriting expertise with more than three decades serving automotive recyclers
Access to specialized coverage forms and inland marine options for parts and salvage
Single-source program to place multiple lines (property, liability, inland marine, specialty lines)
Responsive underwriting to help you place accounts that other markets may decline due to unfamiliarity with dismantling operations
Example fits
You have a long-established auto recycler with organized parts racks, gated storage, and documented inventory controls who needs a combined property/inland marine package plus conversion protection.
You represent a self-service yard expanding into online parts sales that needs liability, cyber, and inland marine coverages tailored to higher customer interaction and parts-in-transit exposure.
Submission Tips
Include detailed loss runs and describe the percentage of dismantling vs. ancillary operations.
Provide photos of the yard, parts storage, fencing/gates, and any security systems.
Document inventory procedures, customer access controls, and environmental measures for fluid handling.
Contact Amwins underwriting early for borderline or mixed-operations accounts to determine fit and preferred terms.
Frequently Asked Questions
What types of accounts are a good fit for the Amwins Auto Dismantlers program?Accounts primarily engaged in dismantling vehicles and selling used parts — including self-service yards, recyclers, salvage and scrap dealers — are ideal. The program prefers operations where dismantling is the core activity and inventory controls and site security are in place.
What documents and information should I submit with a new account?Submit a completed application, 3–5 years of loss runs, site photos (storage, security, fencing), description of inventory and salvage handling procedures, and any environmental controls for fluid management.
Is workers' compensation available through this program?Yes. Workers' compensation is offered as part of the program — availability and terms can vary by state. Refer submissions to Amwins underwriting to confirm state-specific options and requirements.
Are there common exclusions or operations that this program will not accept?High-hazard operations unrelated to dismantling (e.g., heavy manufacturing, major contractor operations) or accounts where dismantling is only a minor sideline are less likely to fit. Environmental contamination from prior operations may also impact eligibility; submit for review with full disclosure.
Need help placing an account? Connect with a market specialist.