https://completemarkets.com/company/Amwinsunderwriting/DealerGuard-Dealers-Open-Lot/
https://completemarkets.com/company/Amwinsunderwriting/Auto-Dealers-Pollution/
APU's Auto Dealer's Pollution program provides a streamlined, standalone Site Pollution Liability solution designed specifically for small auto servicing operations. Many small dealers and shops find only limited add-on pollution riders or expensive, broad pollution policies that exceed their needs. Amwins Underwriting’s Auto Dealer's Pollution program fills that gap with focused coverage and simple underwriting through an “A+ XV” rated carrier.
Overview of the Program from Amwins Underwriting
This program is a dedicated Site Pollution Liability policy tailored for auto dealers, repair and servicing centers, and related operations. Coverage is designed to respond to on- and off-site pollution exposures, including third-party bodily injury and property damage, cleanup costs and certain transportation and disposal contingencies. The program supports smaller accounts that need more than a limited add-on endorsement but less than a full, high-cost pollution policy.
Target Operations / Ideal Accounts
Auto dealers
Repair shops and servicing centers
Motorcycle and RV servicing shops
Tire dealerships, lube and oil change centers
Muffler and transmission repair shops
Battery stores and similar small automotive service locations
Coverage Highlights and Advantages
On-site and off-site cleanup costs and third-party bodily injury and property damage
Automatic coverage for above-ground storage tanks (up to 110 gallons)
Ability to schedule above-ground tanks over 110 gallons and non-regulated underground tanks
Automatic contingent liability for waste transportation and for non-owned waste disposal locations (including on-site coverage)
Restoration costs included in the definition of cleanup costs
Loading and unloading coverage and available tail coverage
Program Highlights
Ability to honor prior carriers’ retroactive dates on new business
Flexible deductible options
Simple, streamlined underwriting appropriate for smaller accounts
Capacity up to $4,000,000
Underwriting Notes and Minimums
This is a focused Site Pollution Liability program intended for smaller auto servicing risks. Typical submissions should include basic site information, tank schedules (if any), and any known environmental history. The program offers flexible underwriting but is best suited for operations without significant historical contamination, complex remediation needs, or heavy industrial exposures. Minimum premium: $500.
Territories and Carrier
Available across the following U.S. 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. Coverage is placed with Berkley Specialty Underwriting Managers through an “A+ XV” rated carrier.
Appetite and Typical Restrictions
Good fit: small to mid-size auto dealers and service shops, single-location or small multiples with routine maintenance operations.
Less suitable: large-scale body shops with heavy historic contamination, major fueling facilities, sites with active regulatory cleanup orders, or locations with frequent off-site hazardous waste hauling under the insured’s control.
Tank schedules and disclosures of any prior releases are required for underwriting when applicable.
Example Account Scenarios
You have a family-owned 3-bay repair shop with an on-site 100-gallon above-ground oil tank and routine oil change operations — this program can provide dedicated pollution limits and cleanup coverage without the cost of a full commercial pollution policy.
An independent dealer with a small lube center and a non-regulated underground tank (previously installed and disclosed) that needs scheduled tank coverage and the ability to carry a retroactive date from the prior carrier.
Why Place This Business with Amwins Underwriting
Amwins Underwriting offers a targeted program designed for the needs of small auto servicing operations, combining focused coverage features, flexible underwriting, and access to a reputable carrier (Berkley Specialty Underwriting Managers). The program balances manageable pricing and meaningful pollution protection, with quick turnaround for straightforward risks. It’s a practical market for agents seeking a pollution solution that fits smaller automotive accounts without overpaying for capacity they do not need.
Program Limits: Up to $4,000,000
Minimum Premium: $500
Frequently Asked Questions
What types of accounts are a good fit for the Auto Dealer's Pollution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations with routine automotive maintenance exposures and limited historical contamination are the primary target.
Can the program cover above-ground and underground tanks?The program provides automatic coverage for above-ground tanks up to 110 gallons and allows scheduling of larger above-ground systems. Non-regulated underground storage tanks can be scheduled for coverage—disclosure and tank details are required for underwriting.
Will Amwins Underwriting accept a prior carrier’s retroactive date?Yes. The program has the ability to honor previous carriers’ retro dates on new business when documentation supports the requested date and underwriting accepts the history.
What is the minimum premium and are there flexible deductible options?The published minimum premium is $500. The program also offers flexible deductible options; final terms depend on the risk profile and underwriting review.
Need help placing an account? Connect with a market specialist.