Automotive Risk Management

We are a privately held company known for solving the myriad of potential risks that plague the automobile and truck dealers of today. Our aim is to be the market leaders in our chosen field, with professionals who provide advice, consultancy and solutions to our clients, the automobile and truck dealers and their chosen independent insurance brokers across the United States.

Since our foundation in 1992, in our present headquarters in the city of Stockton, California, we have offered specialized insurance companies, agents and brokers and their automotive dealer clients, experienced, professional all-out service for their complex insurance needs.

Our growth has been steady, solid and gratifying. Our programs have always been structured on an exclusive basis, available only to those agents, brokers and dealers who have proven track records of success.

With this as an on-going standard, we anticipate that we will continue to accomplish our long-term goal, namely – to produce a stable,

profitable insurance product, at the same time offering services that contribute positively to the bottom line profits of our automotive dealers.

Experience and Dedication

It is our job to understand and help control the myriad potential risks that are threatening the automobile and truck dealers of America today.

Many of these risk are new, varied and complicated. Our specialized staff – many with from fifteen to forty years of successful automotive dealer insurance experience, stands ready to serve independent insurance agents and broker, and their auto and truck dealer clients.

From underwriting to loss prevention and control and claims service, we are here to serve the specialized insurance needs of our producers and their automotive dealer clients.

We are dedicated to this purpose. And best of all – you’ll find that we talk your language!

We continue to be dedicated to serving you – the nation’s leading entrepreneurs – the automotive dealers of America and your specialized independent agents and brokers.

Underwriting – uniquely serving today’s specialized automotive insurance needs

Our all important underwriting philosophy is geared to developing a stable long-term program for our clients, and a profitable program for our associates, the insurance companies and their reinsurers. Our underwriting team has extensive experience in handling dealer accounts throughout the United States. We are continually adding to our underwriting staff in order to properly handle the increasing demands made on this department. Actuarial consultants who are thoroughly experienced in the dealer insurance field back them up. These consultants monitor rate and reserve adequacy, as well as consulting on rating and underwriting guidelines and procedures.

Loss Management and Claims Payment – our primary purpose for being in business

Claims service is the item mentioned second in importance by most dealers inthe national survey. We are dedicated to delivering prompt, friendly and accurate claims management and service, so critical to the success of our customer’s business and our programs. ARM’s claims management is provided by dedicated professionals who coordinateefforts with the Insurance Companies’ claims staff to provide timely and intelligent claims and loss resolution. Arrangements are in place, countrywide, withindependent claims adjusters, law firms and other specialists that concentrate their efforts in this complex world of the automotive risk.

Loss Prevention and Control – newly faced risks demand

answers

Loss Prevention and Control has become the number one concern of the auto and truck dealers of America. A national survey concluded that more than 80% of the franchised dealers interviewed, indicated that effective loss prevention and control was the most important service they wanted in connection with their insurance coverage. Our in-depth loss prevention and control service has an outstanding reputation for giving far more than the usual “lip service” dealers have been accustomed to receiving from others. Our loss prevention and control services are organized within seven major areas. They are: Employee Management Controls, Demonstrator and Driving Controls, Operational Controls, Safety Inspections, Key Control/Theft control, Fire Protection and Accident Investigation. A comprehensive plan is developed for each dealership participating in our program. Where needed particularly on larger operations, additional outside consultants are used. Here is where our extensive automotive dealer experience puts ARM at the front of the pack, to the advantage of our producers, and our dealership customers. Be sure to visit our web based safety library. www.armsafety.com

Our ProductsHere are the ARM Products, exclusively designed for serving the Automotive industry. The products comprise a complete Property, Casualty and Loss Prevention and Control Program specially designed to meet the individual needs for our Dealership Customers.

Products Include1. Garage Liability and Garagekeepers Legal Liability including the coverage extensions

required by the dealer market.

2. Coverage for Building, Contents, Signs, Computers, Employee Tools, Accounts Receivable, Valuable Papers and Business Interruption.

3. Dealers Open Lot Coverage including vehicle inventory, consigned autos, demos, service vehicles and customer rental vehicles.

4. Crime Coverage including Employee Dishonesty Coverage.

5. Employment Practices Liability Coverage.

6. D&O and Fiduciary Liability Coverage.

7. Pollution Liability Coverage

8. Internet and Network Liability.

9. Equipment Breakdown Coverage.

10. Commercial Umbrella Liability

11. Personal and Group Personal Umbrella Liability.

12. Dealer Bonds

13. Workers’ Compensation Coverage

14. Earthquake, Flood and DIC Coverage.

15. Boat, Yacht and Marina Coverage.

16. Kidnap, Ransom and Foreign Travel Coverage.

17. Life and Group Medical Insurance Products.

18. A Complete line of F&I Products.

19. Custom designed insurance products for unusual risks.

20. Loss Prevention and Control Programs tailored to the needs of the individual dealership.

“ARM’s Products are available exclusively through independent agents and brokers.”