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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.

Smith Bell & Thompson, Inc. offers a specialized Workers' Compensation program built for temporary staffing service firms. This is a guaranteed-cost solution underwritten by AIG and delivered on a non-admitted basis. The program is designed for clients that have established safety programs and formal loss-control practices. Target accounts include staffing firms that place professional, clerical, and light industrial workers in both temporary and permanent roles. Note: Professional Employer Organizations (PEOs) are not eligible for this program. Underwriting criteria (typical): Minimum annual premium of $100,000 Account must fall within eligible class codes Loss control standards must meet requirements set by our vendor partner, RCS Business must have been in operation for at least five years Current Workers' Compensation coverage must be maintained This program is available across a broad group of states. Availability includes: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. If you have a multi-state staffing client, we can often place broader accounts with confidence. Smith Bell & Thompson brings decades of experience in niche Workers' Compensation markets and provides responsive underwriting support to help agents place complex staffing accounts. Access to AIG capacity combined with a safety-first underwriting focus makes this program a strong option when your client has mature loss-control practices and a track record of stable results. Example of a good fit: You might have a light industrial staffing agency operating in multiple states with a demonstrated safety program and expected annual premium over $100,000 — this program is designed for that profile. Frequently Asked Questions What types of accounts are a good fit for this program? Staffing firms that place professional, clerical, and light industrial workers — temporary or permanent — are a strong fit. Accounts should have established safety programs and meet the underwriting criteria listed above. Are PEOs eligible for this Workers' Compensation program? No. PEOs and employee leasing organizations are not eligible. This product is specifically designed for temporary staffing firms. What is the minimum premium required for this program? The program requires a minimum annual premium of $100,000 to qualify. What underwriting criteria must be met to qualify? Accounts must be in business at least five years, maintain current Workers' Compensation coverage, fall within eligible class codes, and satisfy loss control standards set by RCS. In which states is this program available? The program is available in a broad set of states, including those listed above, and is commonly used for multi-state staffing operations. Contact your market specialist for state-specific submission guidance. Need help placing an account? Connect with a market specialist.

... Importers of foreign-manufactured goods Private-label and start-up product ...ributors, and wholesalers of consumer goods, industrial equipment, supplements...

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...nd cabinet hardware Metal and plastic fittings Accounts with recent inves...ucing tools, fasteners, and metal or plastic hardware components. What is the ...

...must come from truck equipment manufacturing or installation. Trailer manu...tion procedures and photos of the manufacturing facility and finished units. C...

...orters Hazardous Products Plastics/Metals Parts/Machinery Sporting Goods/Equipment Medical Equipment T...