American Specialty Insurance & Risk Services offers a dedicated Powersports Dealerships Insurance program designed specifically for independent agents and brokers placing coverage for dealers, service centers, and storage facilities in the recreational vehicle market. With in-house underwriting, claims, policy administration, and risk management, this program is built to deliver fast, consistent responses and coverage tailored to the exposures unique to powersports dealers.
Target Classes and Eligible Operations
This program targets dealerships and operations that sell, service, store or rent powersports vehicles, including:
- Motorcycle dealerships
- ATV and UTV retailers
- Scooter dealers
- Snowmobile dealers
- Personal watercraft (PWC) dealers
Eligible accounts range from single-location independent dealers to multi-location retailers that combine sales, service, parts, rentals, demonstrations and seasonal storage. Accounts with on-site service bays, ride or demo exposures, and inland marine inventory needs can be evaluated.
Program Highlights
American Specialty’s powersports program is supported by carriers rated “Excellent” or higher by A.M. Best and emphasizes admitted placement where available. Key advantages for agents include:
- Admitted coverage in all available states
- Program-specific coverage forms and rating structure that reflect typical dealer exposures
- Non-auditable policy structure for predictable billing
- 24-hour claims reporting and responsive claims service
- Direct access to in-house underwriting, claims, and policy administration
- Risk management resources and online tools to help reduce frequency and severity
These elements combine to speed quoting and binding while giving your clients tailored protection for their day-to-day operations.
Coverage Options
The program provides a full suite of core and supplemental coverages crafted for powersports dealers:
- Garage Liability for service and test-ride exposures
- General Liability for premises and operations
- Property coverage for buildings, equipment and inventory
- Inland Marine for vehicle inventory, consignments and show transport
- Crime coverage for employee theft and money-handling risks
- Excess Liability to increase limits over primary policies
- Deductible and Self-Insured Retention (SIR) options to fit different risk financing needs
These coverages help protect dealers from losses related to test rides, theft, property damage, service operations and transportation of stock.
Underwriting Notes and Minimum Premium
Underwriting evaluates each submission on its specific operations, location, loss history and controls. American Specialty's underwriters are experienced with dealer exposures such as service bays, rental/demo fleets, storage of off-season inventory and consignment sales. Minimum premiums vary by state, size of operation and offered coverages; each risk is reviewed individually using the program’s rating criteria.
Territories and Availability
This program is available to licensed agents and brokers in the following states: AL, AZ, AR, CO, CT, DE, GA, ID, IL, IN, KS, MI, MN, MO, MT, NE, NV, NJ, NM, NC, OH, OR, SD, TN, TX, UT, VT, VA, WA, WY. Admitted coverage is offered in all available states.
Why Partner With American Specialty
As a Managing General Underwriter with decades of experience in the recreational and motorsports space, American Specialty delivers niche underwriting expertise and hands-on service. Working through this program, agents benefit from:
- Direct access to experienced underwriters who understand dealer operations
- Faster quoting and binding via program-specific processes
- Integrated claims handling and risk management support
- Admitted capacity where available and stable carrier relationships
Whether you are placing a startup dealer, an established single-location shop, or a growing multi-location operation with rental and service components, this program is structured to help you place business efficiently and keep clients protected.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for dealerships that sell, service, store or rent motorcycles, ATVs, snowmobiles, scooters and personal watercraft. Both single-location and multi-location operations are eligible, including dealers with on-site service and storage.
Is coverage available on an admitted basis?
Yes. Admitted coverage is available in all eligible states for this program.
What coverages are included in the program?
The program offers Garage Liability, General Liability, Property, Inland Marine, Crime, Excess Liability, and deductible/SIR options tailored to powersports dealers’ exposures.
Do you offer in-house underwriting and claims handling?
Yes. American Specialty provides in-house underwriting, claims management, policy administration, and risk management services to streamline placement and servicing.
What is the minimum premium for an account?
Minimum premiums vary by the size and complexity of the dealer operation. Each submission is underwritten individually using program-specific criteria.
Need help placing an account? Connect with a market specialist.