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NON-FRANCHISED AUTO DEALERS
 (Private Passenger Autos): 

  • Wholesalers
  • Retailers
  • Dealers with Service or Repair for the public*
  • Dealers with body work, minor collision repair, or spray painting

The above list of of prior approval exposures and ineligible businesses are not inclusive.  These are the most common exposures and risks that are declined coverage in the program.  Underwriting judgement plays an important role in our overall risk selection process.  We reserve the right to underwrite and/or decline any risk based on individual risk characteristics and hazards.

Dealer Super Protector+

THE FOLLOWING EXPOSURES IN CONJUCTION WITH AN ELIGIBLE DEALER  BUSINESS REQUIRES COMPANY APPROVAL:

  •  Incidental New Car Franchise such as KIA

  • Equipment Sales / Rental

  • Motorcycle Sales/ Repair

  • Truck Sales/Repair greater than 2 ton capacity

  • Detailing for the public

  • Boat Sales / Repair

  • Engine Rebuilding/Modification

  • Stereo Installation

  • Quick Lube & Oil

  • Mobile Exposures

  • Auto Parts / Accessory Sales

  • RV Sales and Repair​

SOME INELIGIBLE BUSINESSES

AND EXPOSURES:

  • AUTO DISMANTLERS
  • BOAT DEALERS
  • BUS DEALERS
  • DIESEL TRUCK DEALERS
  • EMERGENCY VEHICLE DEALERS
  • EQUIPMENT DEALERS
  • EXOTIC CAR DEALERS
  • FRANCHISED CAR DEALERS
  • MOTORCYCLE DEALERS
  • SNOW MOBILE DEALERS
  • WRECKING YARDS
  • SALVAGED/REBUILT AUTO SALES
  • AUTOS OVER $60,000
  • CLASSIC/ANTIQUE AUTOS

DMI Insurance Services, Inc.

Automotive Program Specialists