Dealer Portal
personal insurance?
DealersCommercial Solutions

Track 2 — Agency Supported

Commercial Insurance Solutions for Dealers

Your customers need commercial coverage. Our licensed agents handle quoting, binding, and servicing — while you provide a seamless handoff that closes deals faster. No dealer licensing required.

19Commercial Lines
Licensed AgentsHandle All Servicing
Speed to FundFaster Closings

Speed to Fund

Customers leave with coverage confirmed, not paperwork pending. Faster closings, faster funding, happier customers.

Coverage Shopping

We shop multiple carriers so your customer gets the best protection at the right price — no single-carrier bias.

White-Glove Handoff

Licensed agents handle the complexity. Your team stays focused on selling. The customer gets world-class service.

Full Compliance

No dealer insurance license required. All insurance quoting, binding, and servicing is handled by licensed agents at AssureArc.

Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedFMCSA RequiredLicensed Agent Only

Commercial Auto Liability & Physical Damage

The foundation of every fleet

Dec page...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedShipper RequiredLicensed Agent Only

Motor Truck Cargo

Freight protection on every haul

Commodities hauled...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedHigh ValueLicensed Agent Only

Reefer / Refrigeration Breakdown

One failure = six figures gone

Reefer unit make/model...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedOwner-Op Must-HaveLicensed Agent Only

Non-Trucking Liability / Bobtail

Coverage when not under dispatch

Motor carrier information...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedCritical Gap FillerLicensed Agent Only

Occupational Accident

Workers comp for owner-ops

Driver information...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedGC RequiredLicensed Agent Only

General Liability

Protects the business, not the truck

Trade/class of work...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedState RequiredLicensed Agent Only

Workers' Compensation

Statutory. Non-negotiable.

Payroll by class code...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedHigh ValueLicensed Agent Only

Contractor's Equipment / Inland Marine

Mobile equipment, fully covered

Equipment schedule (year...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedProject-SpecificLicensed Agent Only

Builder's Risk

From groundbreaking to ribbon-cutting

Project address...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedSpecialty ContractorsLicensed Agent Only

Installation Floater

Materials protected until installed

Type of work...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedShipper RequiredHigh Limits

Umbrella / Excess Liability

When primary limits fall short

Underlying policy information...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedLicensed Agent Only

Specialty Lines

Cyber, Professional, Pollution, Bonds

Varies by coverage type. Contact AssureArc for specific requirements....
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedLender RequiredLicensed Agent Only

Physical Damage Insurance

Comprehensive collision for commercial units

VIN...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedFMCSA RequiredLicensed Agent Only

Truck Liability

Bodily injury and property damage on the road

DOT number...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedPremises RiskLicensed Agent Only

Garage Liability

Protect the dealership premises and operations

Square footage...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedInventory RiskLicensed Agent Only

Dealer Open Lot

Inventory protection on your lot

Inventory value...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedMulti-UnitLicensed Agent Only

Fleet Insurance

Multi-unit coverage, simplified

Fleet size...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedBOP OptionLicensed Agent Only

Property & Business Insurance

Buildings, equipment, and business income

Building value...
View
Agency Supported
Licensed Agent Only
Agency Supported
Agency SupportedHigh ValueLicensed Agent Only

Construction Equipment Insurance

Protect excavators, cranes, and heavy machinery

Equipment schedule with values...
View

The Process

From Customer Need to Confirmed Coverage

Five structured steps engineered for speed, clarity, and state-by-state compliance. Every handoff is documented. Every agent is licensed. Every deal closes with confidence.

Step 1

Identify the Coverage Need

During the deal or in follow-up, the need for commercial coverage is identified — either by the customer or through your operational process.

Step 2

Coordinate the Handoff

You introduce AssureArc as your licensed commercial insurance partner. No quoting. No recommendations. A structured, compliant introduction.

Step 3

Licensed Agent Takes Over

An AssureArc licensed agent contacts the customer within one business day to assess exposure, quote the market, and explain coverage options.

Step 4

Bind & Confirm Coverage

The agent shops multiple carriers, presents the best-fit solution, and binds coverage — all performed under a state-issued insurance license.

Step 5

Close With Confidence

The customer leaves fully covered. The lender receives a proper binder. The deal funds on time. Compliance maintained at every touchpoint.

Compliance-First Design

Agency Support, Not Dealer Sales

Every state requires an insurance license to solicit, quote, bind, or service insurance coverage. The AssureArc commercial insurance program keeps your dealership compliant by design. You never sell insurance. You simply connect your customer with a licensed agent who handles everything — from first quote to policy renewal.

No Dealer Insurance License Required

Your team does not quote, price, bind, or service insurance. AssureArc licensed agents handle all insurance transactions. Your role is a customer introduction only.

Lender-Approved Handoff Documentation

All coverage confirmations, binders, and certificates of insurance are issued directly by a licensed agent in the customer's name — not the dealership's.

Ongoing Agency Servicing

Claims, endorsements, renewals, and policy changes are handled directly between the customer and AssureArc. The dealer is never in the insurance servicing chain.

Multi-State Licensed Agent Network

AssureArc operates through licensed insurance agents and agencies authorized in every state where commercial insurance products are offered.

What Dealers Can and Cannot Do

What Dealers Can Do

  • Introduce AssureArc as your licensed commercial insurance partner
  • Collect basic customer contact information for the handoff form
  • Receive coverage confirmation to satisfy lender requirements
  • Explain the value of having insurance — in general, not specific terms
  • Provide state-approved marketing materials supplied by AssureArc

What Dealers Cannot Do

  • Quote, price, or compare insurance rates or coverage options
  • Recommend specific carriers, limits, deductibles, or policy terms
  • Bind, issue, or modify any insurance policy or certificate
  • Receive commission, referral fees, or compensation tied to insurance placement
  • Act as an intermediary between the customer and the licensed agent

Product Availability & Licensing Notice

Product availability varies by state, carrier, lender, administrator, dealer participation, and customer eligibility. Not all products are available in all states. Coverage terms, conditions, and exclusions apply. All commercial insurance quoting, binding, and servicing is performed exclusively by licensed insurance agents at InsureDirect LLC d/b/a AssureArc. Dealers do not sell, solicit, quote, or negotiate insurance. The dealer's role is limited to introducing the customer to AssureArc as a licensed insurance partner. No dealer insurance license is required. For questions about state-specific licensing or compliance requirements, contact dealer support.

Ready to Add Commercial Insurance Support to Your Deal Desk?

Our commercial insurance specialists will walk you through the handoff process, product mix, and onboarding requirements.

Talk with Us