Auto Dealers Package

Southern Pioneer offers coverage for both retail and wholesale used auto dealers. We accept dealers with ancillary RV, motorcycle, boat, trailer, golf cart and ATV sales. And, while standalone auto service type risks are currently not allowed, used auto dealers with minor repair operations are welcome. We also offer Commercial Property coverage for your buildings, contents, signs and fences.

Acceptable Risk:

  • Coverage for retail and wholesale dealers
  • New dealers and startups are eligible
  • Used auto dealers with occasional used RVs, motorcycles, boats, trailers, golf carts and ATVs
    • RV sales etc., should be less than 60% of total operation
  • Used auto dealers with minor repair
    • Repair should be less than 50% of total operation
    • Standalone auto service type risk are not acceptable
  • Coverage available for tow trucks and car haulers that tow or haul owned autos only
    • “For Hire” towing is not covered

Major Features:

  • Auto and Premises liability limits up to $1,000,000
  • Dealer open lot limits up to $1,000,000
    • Higher limits may be available upon approval
  • Coverage available for motorcycles, RVs and ATVs
  • Medical Payments and Uninsured Motorist coverage
  • Garagekeepers
  • Dealer E&O
  • False Pretense
  • Max value per vehicle is $65,000
  • Payment plans available
  • Commercial Property
    • Coverage is available for buildings, contents, signs and fences
      • Maximum building coverage of $250,000
    • This can be written in a package policy with garage liability coverage

Available in AR, TN, AL, MO and MS