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Car-Pac primary carrier is rated "A+ Superior" by A.M. Best.

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CAR-PAC Insurance Program
(minimum $50,000 annual premium)

A Special Insurance Program Designed Exclusively for Franchised Auto and RV Dealers


Program Highlights:
  • Complete insurance protection
  • Special coverages
  • Monthly reports and payments
  • Independent agency/brokerage representation
  • Claims service from a recognized third party administrator (TPA)
  • Loss Control performed by loss control consultants at no charge
  • Financially strong companies
  • Reduced costs
  • Professional service









We are proud to tell you about the newly revised "Car-Pac Program" in combination with the insurance companies, A.M. Best rated "A+ Superior".

The "Car-Pac Program" is a special niche Commercial Insurance Program designed around the specific needs of the Franchised Auto and/or RV Dealer account and provides all property and casualty coverages normally required by the typical dealer account, medium sized and large. We, however, do not offer Workers Compensation insurance.
Coverages:

The following are some of the coverages available in the program:
  • Garage Liability
  • Garage Keepers Insurance
  • Commercial General Liability
  • Products Liability - Broad Form
  • Fire Legal Liability
  • Personal Injury Liability
  • Blanket Contractual Liability
  • Dealers Open Lot Coverage
  • Buildings
  • Business Income
  • Business Personal Property
  • Premises Burglary
  • Employee Tools
  • Accounts Receivable
  • Employee Dishonesty
  • Crime
  • Plate Glass and Neon Signs
  • Customer Rental
  • Lessor's Liability
  • Contingent Liability
  • False Pretense (Trick and Device)
  • Truth in Lending and Leasing Errors and Omissions
  • Federal Odometer Statute Errors and Omissions
  • Title Errors and Omissions
  • Lemon Law or Consumer Complaint Legal Defense
  • Insurance Agent Errors and Omissions
  • Fellow Employee
  • Employment Practices Liability
  • Employee Benefit Programs Liability
  • Umbrella Liability
What can Car-Pac do for your dealer client?

  1. Combines the protection of more than a dozen policies into one simple program.
  2. Allows all insurance to fluctuate with the requirements of the business.
  3. Provides more coverage against more causes of loss than any combination of the standard individual policies.
  4. Permits convenient monthly premium payments without finance charge or rate surcharge.
  5. Facilitates loss adjustment - one program; one agent.
  6. Reduces to a minimum the pre-paid insurance premium.
  7. Variable reporting plan permits the insured to "pay as you go" minimizing inconvenient close outs (audits) at end of policy term.
  8. Allows the insured to do business with their professional independent insurance agent/broker.
  9. Provides fast, sympathetic claims service from a recognized claims TPA.
  10. Provides hands on loss control services with no cost to insured.

Availability, Eligibility and Minimum Requirements:

The "Car-Pac Program" is available in all states except Massachusetts and Hawaii for Auto and RV Dealers. The minimum account premium is $50,000. Usually this would be a dealer with more than 25 employees. The average account premium is between $100,000 and well over one million. If an agent happens to represent one of the carriers, the "Car-Pac Program" will not be available to the agent directly from the carrier as this program is a Willis exclusive product.

Non-eligible Businesses:

Used car dealers are not eligible for this program unless this business activity is part of a new auto dealership. Motorcycle and ATV (All Terrain Vehicle) dealers are not eligible for this program.

We do not provide Workers Compensation insurance.
Submit Business/Become an Agent:

Your agency/brokerage must be appointed in order to submit business for this program. The "Car-Pac Program" has its own dedicated application.

Click here for more information on how to become an agent/broker of this program.more