As dramatically as automobiles have changed, so has the business in which you sell them. From showroom to shop, Utica's got you covered!

Exciting new features and technologies, innovative lease and purchase-acquisition systems, unprecedented regulations and consumer expectations, even multifranchise dealerships have changed forever the way cars are bought, sold and serviced. They’ve also increased the risks to which your dealership is exposed. That’s why Utica National—a leader in custom insurance coverages—and your independent insurance agent have developed the Franchised Auto Dealer Insurance Program to give you the comprehensive yet flexible protection you need in the dynamic market of today... and tomorrow.

Commercial Property, Inland Marine & Crime

• Building & Business Personal Property Coverage
• Accounts Receivable
• Data-Processing Equipment
• Glass
• Personal Property of Others
• Signs
• Valuable Papers
• Fuel Storage Tanks & Pumps: Above- or belowground gasoline, diesel or kerosene fuel tanks and pumps are added to building coverage.
• Fuel Held for Resale: Gasoline, diesel or kerosene fuel held for sale in storage tanks is
  added as Business Personal Property.
• Business Income from Dependent Properties: Covers your loss of business income due to loss or damage sustained by other businesses that are important to yours, such as suppliers, buyers or manufacturers.
• Credit Card Slips: Covers sums due you resulting from loss or damage to credit card slips.
• Damage to Leased Property: Covers damages to leased auto hoists, buildings, fences, retaining walls and fuel pumps.
• Employee Tools: Covers loss or damage to tools owned by your employees.
• Lock Replacement: Covers the cost to repair or replace locks due to theft of keys, up to applicable building amount.
• Ordinance or Law Coverage: Includes demolition costs and increased cost of construction.
• Employee Dishonesty: Covers dishonest acts of your employees.
• Money & Securities: Inside and outside the premises.

Garage Liability & Commercial Automotive

• Auto Liability & Physical Damage: Covers your owned autos and service vehicles.
• False Pretense Coverage: Protects you against the voluntary parting through trick, scheme or under false pretense of a covered auto to which you have legal title.
• Hired & Non-Owned Auto Liability: Liability coverage for hired and non-owned vehicles used in connection with your business.
• Employees as Insureds: Covers employees who use covered vehicles that you don’t own, hire or borrow.
• Garage Liability: Covers you for claims arising from your premises or garage operations, claims made after you have completed repairs and claims arising from the use of automobiles you don’t own.
• Broadened Coverage for Garages: Modifies coverage to include Personal Injury and Advertising Injury, Host Liquor Liability, Fire Legal Liability, Incidental Medical Malpractice and Non-Owned Watercraft Liability when added to the Garage Coverage Form.
• Garagekeepers Legal Liability: Provides comprehensive and collision coverage for vehicles left in your care, as well as fire, theft, vandalism and malicious mischief when you are shown to be liable for such damages.
• Communications Equipment Extension: Covers sound receiving and transmitting equipment under garagekeepers and physical damage coverages.
• Customer Rental Coverage: Covers autos leased to customers when these customers are awaiting delivery of new autos purchased from the dealership.
• Dealers Driveaway Collision: Covers autos being driven to a new destination after sale or purchase by the dealer.

Auto Dealer' Errors & Omissions Liability Endorsement
Covers you for negligent acts, errors or omissions:

• While acting as an insurance agent or broker during the transaction of a sale. (Applies only to physical damage, credit life, credit accident and health insurance on the car being sold.)
• In failing to comply with the Federal Odometer Statute, Truth in Lending Act and/or any laws pertaining to disclosure of prior damage.
• Specifying loss payees or legal owners on titles of cars you sell.

Umbrella Coverage
Can be a critical addition to the policy of a qualifying account. One million dollars of protection is provided, with higher limits available.

Workers' Compensation
As one of the most experienced and respected workers’ compensation carriers in the business, Utica
can complete your total insurance package with this important coverage — at competitive rates. Available in most states.

Other Performance Feature You Can Count On

• Fast, Effective Claims Service to make sure your insurance works when it has to. Claims professionals from the Utica National office nearest you are available 24 hours a day, seven days a week for prompt, fair claim settlement.
• Risk Management Services to help you identify hazards, address problem areas and reduce losses and injuries through proven safety programs and techniques. We also offer Risk Management Alerts that provide you with important tips and information specific to your business.
• Flexible Payment Plans that let you combine all your eligible policies on a single bill and choose your own payment schedule — with no interest charges.
• The guidance and assistance of Your Local, Independent Agent, who is ready to help you design, implement and maintain the Utica National Insurance program that best protects your dealership.

Abount Utica National
Utica Mutual and Graphic Arts Mutual insurance companies, the principal members of the Utica National Insurance Group, have been protecting policyholders since 1914 with a wide range of property/casualty insurance products for people and businesses of all types. Utica National offers convenient and professional services through your local independent insurance agent.