Protecting the legacies of auto dealerships

Auto dealerships can be generational success stories, especially as so many are family businesses. However, preventable claims, outsized “nuclear” jury verdicts, and underestimating insurance needs can put any dealership at risk — even one that has thrived for years.

In this episode of Car Dealership Guy’s “Daily Dealer Live” podcast, Zurich’s President of Direct Markets, Todd Kaminiski, and Doug Coyle, VP, General Manager for the West Division, sit down with host Sam D’Arc to discuss the pillars of protecting a dealership’s legacy.

Safety precautions and investments to help limit claims; the importance of regularly scheduled walk-throughs, and determining the right level of Commercial Umbrella coverage are some of the safeguards discussed. Growing risks such as AI-driven security threats and increasingly volatile weather are also touched on in this lively conversation.

This episode was originally presented live on Car Dealership Guy on June 5, 2026.

Zurich Panelists

Todd Kaminski is President of Direct Markets for Zurich U.S., shaping the strategy and direction for one of the nation’s leading providers of Property & Casualty (P&C) and Finance & Insurance (F&I) solutions for franchised auto dealerships.

With over 30 years at Zurich, Kaminski has a proven track record of driving growth, profitability and innovation. He has launched and scaled new business models, built high-performing teams and delivered strong results.

Kaminski’s experience spans the U.S. and international markets. As Senior Vice President, Head of Business Development for Direct Markets, he spearheaded the launch of three startup business models, developed new distribution partnerships and brought total solutions to customers. As Head of Sales and Distribution for Alternative Markets, he led four distinct businesses to achieve ambitious growth and profitability targets.

Doug Coyle is VP, General Manager for the West Division for Zurich Direct Markets. Coyle is responsible for a team tasked with driving sales excellence; developing and maintaining customer relationships; identifying and delivering products and services for dealerships; ensuring efficient account management; and contributing to Direct Markets’ organizational revenue growth.

Prior to his current role, Coyle served as Senior Regional Sales Manager for the Los Angeles region. In this position, he led a significant growth of the P&C business and helped drive F&I acquisition and retention across key accounts.