
Auto dealership insurance
Accelerate business protection with Zurich’s multi-coverage insurance policy
Zurich’s deep roots in the automotive industry are anchored to one goal: building our products and services around your needs. Through continuous collaboration with auto dealers, we provide insurance solutions for the ever-changing challenges of today's dealership landscape.
Unicover®, a multi-line insurance package, embodies Zurich’s commitment to addressing the unique needs and exposures of franchised auto, motorcycle, powersports and RV dealerships. With this powerful, custom-built insurance package, you can focus more on what matters most: your dealership’s success.
Reducing risk and limiting losses
Along with the comprehensive coverages within the Unicover package, Zurich has resources to help identify and manage risks that may be present at your dealership. From auto accidents to negligent hiring practices to slips, trips and falls, we can offer you valuable insights on loss prevention and security.
Available coverages include:
- Auto Dealers’ Coverage Form – This is the foundation of Unicover and includes coverage for Auto Liability, General Liability, Auto Physical Damage, Garagekeepers, Pollution, and Acts, Errors or Omissions.
- Commercial Property – Zurich’s Preferred Property coverage is among the most expansive in the industry and responds to the complex exposures of franchised dealerships along with Building, Business Personal Property and Business Income coverages.
- Commercial Crime – Coverage to help secure your dealership bank accounts and 401k plan from internal theft, fraud and forgery. The dealership 401k funds are covered for embezzlement up to ERISA limits.
- Commercial Umbrella Policy – Provides higher liability limits when underlying policies are exhausted.
- Employment Practices and Third-Party Discrimination Liability Policy – Defends against claims for employment discrimination, harassment or wrongful termination, and third-party discrimination suits.
- Security and Privacy Policy – Covers regulatory proceedings and privacy breach costs.
Convenient process features:
- Online Reports of Value (ROV) System: Report vehicle inventory value using Zurich’s online submission system.
- Electronic Policy Delivery: Opt in to receive policy documents electronically.
- Zurich eZPay: Pay premiums and view billing statements online.
- Comprehensive analysis of loss exposures
- Replacement cost estimate for buildings and equipment
- Premises inspection for hazard identification
- Review of current asset protection plan
- Assess business income continuation needs
- Thorough review and analysis of existing and recommended coverages
- Risk-management services to help minimize loss
- Claims services to help get back in business quickly
Looking for a new Property and Casualty provider?
Phone: 800-840-8842 ext. 7449
Online: Submit an online proposal

Additional commercial and personal lines
Zurich Agency Services, Inc. (ZAS) is a fully licensed insurance agency offering access to specialized property and casualty coverage solutions, as well as specialty markets. Multiple coverages are available within Commercial and Personal Lines, Employee Benefits, Life Insurance and Surety Bonds.
Additional Resources

Automotive Resource Hub
Check out our collection of articles, webinars, podcasts and much more to assist you with your business. These resources can help you navigate and improve within the ever-changing and evolving automotive industry.