DOL Physical Damage & Package Insurance – Franchised New Car

National Specialty Programs

All Risks has a seasoned team of new auto dealer insurance specialists dedicated to helping you place all lines of coverage for your franchised auto dealers. You can access our exclusive non-admitted Dealer Physical Damage (Dealers Open Lot) program with an A.M. Best “A” XV carrier or our admitted package program with an A.M. BEST “A” XIV carrier. We offer nationwide access, broad coverage forms and top notch service that you are expecting from All Risks, Ltd. We offer multi-state capabilities with no audits and no monthly reporting. Contact us today to learn more about our franchised auto dealer insurance programs!

Program Highlights

  • Guaranteed cost
  • No audits
  • No monthly reporting
  • Direct and Agency bill options with installments
  • AmTrust supplier direct bill pays full commission after 1st installment
  • Physical Damage minimum premium – $5,000
  • Package minimum premium varies based on risk



  • Dealers Open Lot available NATIONWIDE, excluding AR, KS & OK
  • Package available NATIONWIDE, excluding AK, HI, MA, NY & VA
  • WC available NATIONWIDE
Submit a Risk

• Franchised (new) auto, motorcycle, and heavy truck dealers
• RV dealers

FAQ – Dealers Open Lot Program
1) Does your form include false pretense coverage for wholesalers? Yes, our form is one of the broadest in the industry.
2) Do you offer a weather aggregate? Depends on the territory, but it may be available.
FAQ – Package Program
1) Is your product Admitted? Yes, our carrier for the package program is admitted in all states.
2) Can your program compete with the direct writers? Yes, the package program provides all the Dealer E&O coverages up to $1,000,000 limits, building on Agreed value, Business Income/Extra Expense on actual loss sustained and Garagekeepers on direct primary.


  • Dealers Open Lot (DOL)
    • Comprehensive/Collision
    • False pretense including coverage for wholesalers
    • Lease returns covered
    • Economic loss
    • 10-day spot delivery
    • Impending damage
    • Towing/storage sub-limits
    • Watercraft Physical Damage
    • Paintless dent repair discounts
  • Package
    • Garage Liability
    • Garage Errors and Omissions Expansion
    • Title E&O
    • Insurance Agents E&O
    • Truth in lending E&O for the purchase or leasing of an automotive
    • Legal Defense & Product-Related damages $25,000 any one claim/$100,000 annual aggregate
    • Odometer Alteration Liability
    • Garage Identity Theft Vicarious Liability
    • Broad Form DOC with $1,000,000 UM/UIM limits for owners
    • Broad Form Products and Work Performed
    • Garagekeepers with Direct Primary available
    • Employee Benefits Liability
    • Hired/Non-Owned Auto Liability
    • GL – Vacant Land, Lessor’s Risk
    • Building – with agreed value
    • Business Property including stock
    • BI/EE actual loss sustained (excluding coastal)
    • Ordinance or Law
    • Equipment Breakdown
    • Employee Tools
    • Signs, Valuable Papers, Accounts Receivables, EDP
    • Crime including ERISA and Computer Fraud
    • EPLI – including 3rd Party coverage
    • Umbrella limits up to $10,000,000 (Excess markets available)
    • Workers’ Comp

Physical Damage

  • New Auto Dealer Physical Damage Application
  • Monthly inventory statement of values worksheet or page 1 of financial
  • Four years currently valued loss runs with explanations of large losses


  • Supplemental Application
  • Statement of Values Worksheet
  • New Auto Dealer EPLI Short Form
  • Umbrella ACORD
  • Minimum 4 years (5 years preferred) currently valued loss runs with explanation of large losses
  • Employee list


  • Dealers’ Open Lot available NATIONWIDE, excluding AR, KS & OK
  • Package available Nationwide, excluding AK, HI, MA & VA
  • WC available NATIONWIDE


Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Dealers Open Lot Program Webinar

Our experts present a comprehensive overview of the Dealers Open Lot and New Car Package Program.

Risk Control Tools for Your Dealership

Control your inventory by knowing where your vehicles are at all times.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.



"Our agency has done business for a few years with the dealer open lot insurance team and we have found them to be very responsive, knowledgeable with respect to the competitive landscape and they have a competitive product that features consistent and stable terms at renewal time. Overall, they are just a great partner to do business with."

Karl Herbst
Ralph C. Wilson Agency

"GADA uses both All Risks auto inventory & garage programs. Kevin Gast understands the dealer business & how to process quotes that allow me to write more business. I can't understate how valuable he is when I need a quick response to assist my customers."

Mike McVey
Georgia Auto Dealers Account Executive

Industry Associations

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