20/20 Benefit Solutions has a seasoned team of new dealer insurance specialists dedicated to helping you place all lines of coverage for your franchised 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 20/20 Benefit Solutions. We offer multi-state capabilities with no audits and no monthly reporting. Contact us today to learn more about our franchised dealer insurance programs.

    Target Classes:

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

      FAQ'S: Dealers Open Lot Program

  1. ​Does your form included false pretense coverage for wholesalers?  (A) Yes, our form is one of the broadest in the industry.
  2. Do you offer a weather aggregate? (A) Depends on the territory, but it may be available.


       FAQ'S: Package Program

  1. Is your product Admitted? (A)  Yes, our carrier for the package program is Admitted in all states.
  2. Can your program compete with the direct writers? (A) 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.


Program Highlights

  • Guaranteed cost
  • No audits
  • No monthly reporting
  • Direct bill options with installments
  • 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 & VA
  • WC available NATIONWIDE

​​New Dealership Insurance Specialty Programs Package & Dealers Open Lot

National Specialty Programs