无论你卖什么，都有独特的保护.
99hg皇冠登录代理保险.
无论你卖什么，拥有经销商的风险都是多种多样的. 从工人赔偿到客户车辆保险, we’ll help you navigate the complexities and design a policy that keeps your business running smoothly.
保险为所有类型和规模的经销商.
无论你卖的是车辆还是设备, 是特许经营还是独立经营, 或专门经营二手或新产品, 你的经销商需要一个适合其特定需求的保险政策. 我们很容易忽视一些需要保护的风险.
为你销售的车辆投保.
大大小小的经销商都有大量的库存，这些库存往往具有很高的价值. 车辆不仅有被火灾或其他天气事件损坏的风险, 车辆可以从你的停车场被偷. You also face the risk that someone could attempt to buy from or sell to you a vehicle under false pretenses. Understanding the different ways your 库存 can suffer loss will lead to understanding the coverage you need.
交互式图形
99hg皇冠官网. 读它. 覆盖它.
- 点击热点.
- 发现你的风险.
- 选择合适的保险范围.
经销商的错误和遗漏(E)&O)
风险因素
尽管任何企业都试图避免错误，但错误还是会发生. 无论是贷款或租赁表格上的错误，还是车辆的历史记录被歪曲, 如果有人觉得自己受到了你的经销商的伤害，他们可能会提起诉讼. 即使这些主张毫无根据，也必须加以辩护.
解决方案
经销商E&如果你的经销商被起诉，你可以帮助支付辩护费用. 这种保险也可以帮助支付可能判给另一方的损害赔偿. 策略应该涵盖一系列错误和遗漏情况，例如标题错误, 违反信贷或租赁法律, 以及对二手车记录疏忽的指控.
Garagekeepers责任
风险因素
Your business has a responsibility to protect the property of others when it is left with you. If your dealership includes a repair facility or you temporarily hold a vehicle that belongs to a customer, you could be held financially liable for damages to that vehicle while it is in your care, 监护权, 和控制.
解决方案
你应该购买实物损失险, 称为车库管理员覆盖, designed to help you protect your customers’ property and your business in the event that accidents, 受伤, 或者发生财产损失. 这种保护包括因不幸和不可预见事件而产生的费用, 做工还不错, 错误的部分, 或保证.
信号覆盖
风险因素
Exterior signs associated with your business are vulnerable to fire, vandalism, and weather. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.
解决方案
Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. 如果没有，则根据需要增加策略限制.
污染物的清理和清除
风险因素
经销商因使用溶剂而面临严重的污染风险, 清洗剂, 油漆, 以及其他可能有害的产品. 泄漏不仅会导致清理费用, 但你也可能要对第三方的损失负责, 还有罚款.
解决方案
Pollutant cleanup and removal insurance can help to cover the costs of 受伤 and 财产损失 that occurs as a result of a pollutant spill or leak. 这可能不仅包括在你的工作地点的保险, 但当你的污染物被运输处理时，也会发生泄漏. 如果你的经销商有一个地下坦克，这个覆盖是必须的.
经销商开放地段
风险因素
你的存货就是你的生计. Cars can get damaged in a number of possible ways, including collisions, weather events, or fire. There’s also a risk that vehicles could be stolen while unattended or under the guise of a test drive.
解决方案
Dealers open lot (DOL) offers coverage for physical damage to vehicles for specific losses named in the policy, 其中可能包括火灾和盗窃. Coverage can vary based on how protected or open a lot is and can include driveaway collision for times when your vehicles are in transit to another location and false pretense for when a vehicle is taken fraudulently.
营业收入/营业中断
风险因素
如果一场火灾影响了你的生意，你会怎么做? 或者如果管道泄漏导致你的设备损坏，你无法打开怎么办? 这些事件和其他事件会破坏你接触客户和带来收入的能力, 哪些因素会对企业的生存能力产生重大的长期影响.
解决方案
Business interruption insurance compensates you for lost income if your business cannot operate as normal due to damage that is covered under your commercial property insurance policy, 如火灾或水害. This type of insurance covers the revenue you would have earned based on your financial records, 事件没有发生吗. The policy also covers continuing operating expenses such as rent, electricity, and ordinary payroll.
工人的补偿
风险因素
If one of your employees receives an injury or becomes ill due to a work-related occurrence, 法律要求你有适当的保险.
解决方案
Workers’ compensation insurance protects your employees in the event that a job-related injury or sickness occurs during the course of their employment. 这是法律所要求的，所以要确保你的企业有它.
雇佣实务责任保险(EPLI)
风险因素
On average, it’s estimated that three out of five businesses will be sued by their employees. 虽然你无法阻止别人提起诉讼, 你可以通过适当的保险范围来限制为法律索赔辩护的成本.
解决方案
Obtain employment practice liability insurance (EPLI) to protect your business from alleged employment-related acts such as wrongful termination, 未能推广, 歧视, 还有性骚扰.
商业的伞
风险因素
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
解决方案
商业伞形保险单提供较高的保险限额, 一般在200万到1000万美元之间. Coverage is extended over your general liability, workers’ compensation, and business 汽车 insurance. 它提供了一个伟大的安全网，并有助于确保保护您的经销商.
员工不诚实
风险因素
Given the potentially high value of the vehicles you sell and the amount of financial information you collect, 你的生意有被盗的危险. What if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?
解决方案
Crime coverage can be obtained in your commercial property insurance, but coverage is very limited. Consider obtaining a standalone crime coverage policy that includes employee dishonesty coverage.
网络责任
风险因素
互联网编织了一张全新的责任暴露网. 电子商务, 社交网络, 云存储, 其他技术也给大大小小的经销商带来了巨大的好处. 但这些好处也带来了挑战, 包括隐私保护, data, 以及客户的财务信息.
解决方案
Cyber liability insurance protects your business in the event of unauthorized access to electronic data or software within your network. 它还为病毒的传播提供了覆盖范围, 敲诈勒索, 个人身份信息的意外泄露, 以及丢失或被盗的笔记本电脑或其他移动设备所造成的损害. This coverage is quickly becoming more and more important as you embrace technology to help run your business.
商业地产
风险因素
任何商业财产都有因火灾或其他事件而遭受损害的风险. 不仅你的房子和你财产上的其他结构容易受到影响, 从办公家具到库存，里面的一切都处于危险之中.
解决方案
商业财产保险可以帮助保护企业拥有或租赁的财产, 包括设备, 库存, 家具, 及设施. 不管你是拥有自己的房子还是租来的, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
车库责任
风险因素
你有很多与你的经销业务相关的风险敞口, 包括前提, 汽车, 产品/完成操作. Even a single 汽车 accident or mechanic’s error can potentially put your business in financial jeopardy.
解决方案
车库责任保险为身体伤害提供全面的保险, 财产损失, and other liability exposures as they relate to the operation of your dealership and its parts and service departments.
车库管理员的保险范围是什么?
当你把别人的车交给你保管时，车库管理员保险为你提供保护, 监护权, 或控制. 例如, if visitors leave their own vehicle on your premises while taking a prospective new vehicle for a test drive or while negotiating a trade-in, 法律可能会要求你有车库管理员的保险. 这可以防止损坏游客的汽车，包括盗窃或破坏.
经销商保险的商业方面.
Don’t forget to make sure your insurance covers more general business elements such as general liability for visitors to your premises, 职工工伤赔偿, and coverage against 歧视 claims and other human resources risks with employment practice liability insurance.
要了解更多关于您的经销商的保险需求，请立即与我们联系.
经销商保险报价请求
作为一个独立的机构，我们在这里帮助您找到合适的报道.
