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Auto Dealers Insurance   

Sterner Insurance Agency - Apple Valley, MN - Your Auto Dealer Insurance Experts

                                                                                                                                                    Auto Dealers Insurance

 

Property Coverages - Building and Business Personal Property:

Basic Package Limits

Enhanced Package Limits

Building - Replacement Cost (as requested) Limit of Insurance Limit of Insurance
Business Personal Property - Replacement Cost (as requested) Limit of Insurance Limit of Insurance
Causes of Loss - Special Form Building(s) Amount (include above and below ground storage tanks) Building(s) Amount (include above and below ground storage tanks)
Business Personal Property Amount (include contents of storage tank) Business Personal Property Amount (include contents of storage tank)
Business Personal Property of Others Business Personal Property of Others
Accounts Receivable $5,000 $5,000
Arson Conviction Reward $5,000 $5,000
Back Up Sewer and Drain $2,500 $5,000
Business Income and Extra Expense - Dealers Optional $50,000
Business Income and Extra Expense - Service Risks Optional 12 Months ALS
Debris Removal [25%of (Ded.+ Loss Payment)] & Up to Additional $10,000 [25%of (Ded.+ Loss Payment)] & Up to Additional $10,000
Electronic Data Processing Equipment Not Available $15,000
Employee Tools Not Available $10,000
Fire Department Service Charge $1,000 $2,500
Fire Extinguisher Recharge Expense $1,000 $1,000
Glass Coverage Included in Bldg. Limit Included in Bldg. Limit
Increased Cost of Construction 5% of Building Limit/$10,000 5% of Building Limit/$10,000
Lock Replacement $500 $1,000
Newly Acquired or Constructed Location Business Personal Property $100,000 10% of BPP Limit/$200,000
Newly Acquired or Constructed Property $250,000 25% of Building Limit/$500,000
Outdoor Property (Trees/Shrubs/Plants) $1,000 $1,000
Outdoor Signs $3,000 $5,000
Personal Effects and Property of Others $2,500 $2,500
Pollutant Clean Up $10,000 $10,000
Preservation of Property 30 days 45 days
Property Off-Premises $10,000 $20,000
Replacement Cost Coverage Included in Property Amt. of Ins. Included in Property Amt. of Ins.
Tenants Exterior Building Glass Not Available Included in BPP Limit
Theft, Disappearance or Destruction of Money & Securities, inside or outside the premises $1,000 $2,500
Valuable Papers (On Premises) $5,000 $5,000

Optional Property and Inland Marine Coverages

   
Accounts Receivable Increased Limits Optional Increased Limits Optional
Business Income and Extra Expense - Dealers Optional Increased Limits Optional
Business Income and Extra Expense - Service Risks Optional 12 Month ALS
Cargo Coverage - Specified Causes of Loss:    
Specified Cause of Loss
Optional Optional
Burglary & Robbery (Must have E7121)
Optional Optional
Earthquake (where available - SFA only) Optional Optional
Earthquake Sprinkler Leakage Optional Optional
Electronic Data Processing Equipment Optional Increased Limits Optional
Employee Tools Optional Increased Limits Optional
Equipment Breakdown Optional Optional
Inflation Guard Select 4%, 6%, or 8% Select 4%, 6%, or 8%
Leasehold Interest Coverage Form Optional Optional
Mine Subsidence (where available - SFA only) Optional Optional
Ordinance or Law Coverage:    
Coverage A - Loss to Undamaged Part of Building
Optional Optional
Coverage B - Demolish Undamaged Part
Optional Optional
Coverage C - Increased Cost of Construction
Optional Optional
Outdoor Signs Increased Limits Optional Increased Limits Optional
Valuable Papers and Records Increased Limits Optional Increased Limits Optional

Garage Coverages

Included on all Garage Policies

Included on all Garage Policies

Garage Coverage Form Limit of Insurance Limit of Insurance
Contractual Liability Included Included
Elevator Liability Included Included
Hired Auto Coverage BIPD - Dealers Risk Only Included Included
Non Owned Auto Coverage(BIPD) Included Included
Owned Auto Coverage (BIPD) Dealers Risk Only Dealers Risk Only
Owners Protective Liability Included Included
     

Broadened Coverages

Included on all Garage Policies

Included on all Garage Policies

Fire Legal Liability $50,000 $50,000
Host Liquor Liability Included Included
Incidental Medical Malpractice Included Included
Liability for Newly Acquired Garage Included Included
Limited Worldwide Liability Included Included
Non-Owned Watercraft Included Included
Personal and Advertising Injury $500,000 $500,000
Spouses of Individual Insureds or Partners, as Insureds Included Included

Optional Coverage - Garage Dealers & Non-Dealers

   
Auto Medical Payments Optional Optional
Broad Form Products Coverage Optional Optional
Garage Locations and Operations Medical Payments Coverage Optional Optional
Garagekeepers Liability Optional Optional
Hired Auto Coverage BIPD Non-Dealer Risks Only Non-Dealer Risks Only
Hired Autos Specified as Covered Autos You Own Optional Optional
Owned Auto Coverage(BIPD) Scheduled Autos for Non Dealers Scheduled Autos for Non Dealers
Individual as Named Insured Included when selected Included when selected
Individual as Named Insured - Dealers Only Included when selected Included when selected
Owners of Garage Premises Optional Optional
Personal Injury Protection Optional if not Mandated by State Optional if not Mandated by State
Physical Damage to Individually Owned Autos(Non-Dealers) Scheduled Autos Scheduled Autos
Physical Damage: Dealers Autos    
Dealers Autos - Blanket
Optional Optional
Additional Storage Locations
Optional Optional
In Transit
Optional Optional
Uninsured/Underinsured Motorist Coverage Optional if not Mandated by State Optional if not Mandated by State
     

Automotive Dealers Coverage Package - Optional for Dealers Only - Sold Only as a Package of Coverages

Dealers Drive Away Collision Coverage Applicable Only When Dealers Autos Physical Damage Coverage is Selected Removes the 50 mile limitation for collision coverage on Dealers Autos Removes the 50 mile limitation for collision coverage on Dealers Autos
False Pretense Coverage $80,000 $80,000
Individual as Named Insured - Dealers Included in Garage Coverage Limit Included in Garage Coverage Limit
Insurance Agents Errors and Omissions $100,000 $100,000
Odometer Liability $100,000 $100,000
Products Deficiency Liability $100,000 $100,000
Title Errors and Omissions $50,000 $50,000
Truth in Lending Errors and Omissions $100,000 $100,000

Optional Coverage - General Liability

   
Products and Completed Operations Selected Limits Selected Limits
Premises and Operations Selected Limits Selected Limits
Contractual Liability (Premises) Included in Limit Included in Limit
Elevator Liability Included in Limit Included in Limit
Employee Benefits Liability Optional Optional
Fire Legal Liability Included in Limit Included in Limit
Host Liquor Liability Included in Limit Included in Limit
Liability for Newly Acquired Business Included in Limit Included in Limit
Limit Worldwide Liability Included in Limit Included in Limit
Medical Payments (Premises) $5,000 $5,000
Non-Owned Watercraft Coverage Included in Limit Included in Limit
Personal and Advertising Injury Liability Included in Limit Included in Limit
Protective Liability for Independent Contractors Acts Included in Limit Included in Limit
Spouses of Individual Insureds or Partners, as insureds Included in Limit Included in Limit
     

Optional Coverage - Crime

   
Employee Dishonesty    
Blanket
Optional Optional
Scheduled Employees
Optional Optional
Forgery and Alteration - Form B Optional Optional
Theft, Disappearance & Destruction - Money and Securities - Form C Increased Limits Optional Increased Limits Optional
Robbery & Safe Burglary - Other than Money and Securities - Form D Optional Optional
Premises Burglary - Other than Money and Securities - Form E Optional Optional
Extortion - Form G Optional Optional
Premises Theft & Robbery Outside - Other than Money & Securities - Form H Optional Optional
Robbery and Safe Burglary - Money and Securities - Form Q Optional Optional
Auto Supplies, Equipment, Gasoline and Oil in Outside Containers Endorsement (Requires Forms E or H) Optional Optional

Optional Coverage - Umbrella Liability

   
Umbrella Liability Optional Optional

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Auto Dealer Insurance policy holders.