Dealer Open Lot Insurance

Dealer Insurance

Risk Point

Risk Point Mobility Underwriters is the leading provider of Automobile Dealer’s Open Lot Insurance Physical Damage Coverage distributed through our  independent retail agent partners.

Non-Admitted with A.M. Best ratings of A- VIII (Excellent).

Coverage is available in ALL STATES.

Products & Capabilities

Comprehensive, Collision and False Pretense (trick, scheme and device).

Weather Loss aggregate deductibles available for weather, including windstorm and hail.

Economic Loss is covered up to a maximum of $2,500 as a result of collision damage to a new vehicle and up to $2,500 for additional miles added to the odometer of a new vehicle as a result of a theft loss.

High sublimit of $500,000 per year for a False Pretense (trick, scheme or device) loss.

Coverage is available for stored “off lease“ vehicles.

Aggregate per loss deductible on collision losses.

The “margin clause“ provides coverage up to 25% of additional limit, of insurance shown on the policy. The “margin clause“ does not apply to Flood or Earthquake coverage.

The average monthly value is the limit and the rating basis, unless the dealer’s operations require higher limits.

Convenient payment plans are available.

No monthly reports are required by dealers.

   Claims Service provided by Mobility Claims Group, LLC and is

managed in our Dallas, Texas headquarters.

   The  Risk Point Alert Weather App early warning detection is

provided to our agents and insureds.

Franchised Auto Dealers

Non-Franchised Auto Dealers

Franchised Heavy Truck Dealers

Franchised Motorcycle Dealers

Franchised RV Dealers

Franchised ATV Dealers

Boat Dealers

Auto Rental Companies

Farm Equipment Dealers

Yellow Line Equipment Dealers


Complete Application

3 Years of Loss Runs

Expiring & Target Premium

   Submit by e-mail to

Pepper Snider (469-951-2619)

Have questions? Get in touch with us and contact us today!