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INDUSTRIES · AUTO DEALER GROUPS

From the showroom to the service bay.

Dealer groups with several rooftops: garage liability, dealer open lot, comp for technicians, and benefits for sales teams.

Get the auto dealer groups packageCoverage finder
THE AUTO DEALER GROUPS STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.
BOP / general liabilityGarage liability, dealer's open lot, and showroom property$1M / $2MREQUIREDWorkers' compService technicians, detailers, and lot portersStatutoryREQUIREDCommercial autoTest drives, loaners, and dealer plates$1M CSLREQUIREDSurety bondsMotor vehicle dealer bonds by statePer stateREQUIREDEmployment practicesCommission and sales-floor employment claims$1MRECOMMENDEDCyber liabilityCustomer financing and credit data$1MRECOMMENDEDMedical, dental, visionBenefits to retain certified technicians—RECOMMENDED
  1. 01
    Commission-aware payroll
    Benefit deductions handled on variable pay.
  2. 02
    Dealer bonds
    Issued and renewed state by state.
  3. 03
    Every rooftop, one policy
    Locations added without a new application.

TOP RISKS WE PLAN FOR

  1. 01Garage and lot exposure. Test drives, loaners, and lot inventory need garage coverage.
  2. 02Technician injuries. Service bays carry meaningful comp exposure.
  3. 03Financing data. Customer credit files make cyber coverage important.

AUTO DEALER GROUPS QUESTIONS

Do you handle dealer bonds?
Yes, state by state, with renewals tracked for you.
Can multiple rooftops share one program?
Yes, with locations added without a new application.
YOUR PROGRAM AT A GLANCE

Every line a auto dealer groups company typically needs, on one application.

PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversFINANCIAL + MANAGEMENTSurety bondsLicense, contract, and fidelity bonds issued fastWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriers

HOW IT WORKS FOR AUTO DEALER GROUPS

  1. 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
  2. 02Market to carriers. We submit to carriers that actively write auto dealer groups risks.
  3. 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
  4. 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS
  • ACORD 125
  • ACORD 126
  • ACORD 140
  • ACORD 130
  • ACORD 127
  • ACORD 129
  • Surety application
  • Carrier supplement
  • Employee census + group application
DOCUMENTS
  • Revenue and operations description
  • Statement of values by location
  • Loss runs, 3–5 years
  • Payroll by class code (from payroll)
  • Current policy declarations
  • Experience mod worksheet
  • Vehicle schedule with VINs
  • Driver list with license numbers

AFTER YOU BUY

  • Certificates on demand
    Issue COIs with additional insureds from your dashboard.
  • Claims advocacy
    Your advisor works the claim with the carrier.
  • Audits without surprises
    Payroll-based premiums reconcile as you go.
  • Renewal planning
    Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your services
TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for auto dealer groupsIndustry pay rules, on one platform.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
OTHER INDUSTRIESSenior careHealthcareBehavioral healthDental + veterinary groupsManufacturingConstructionFranchise groupsStaffingFacility servicesLogisticsRestaurantsHotelsProfessional servicesEducation + childcareNonprofits

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