While there may be similarities in insurance needs among some business sectors, automobile dealerships face unique and challenging risks. That's why there is great value in working with insurance specialists who concentrate on a specific industry or business type.

With more than 25 years experience protecting the assets of dealers, Wachovia Insurance Services's automobile industry specialists have developed strong relationships with insurance markets, which helps us customize policies to fit your specific risks. Wachovia's goal is to provide cost-effective programs to help reduce and control your total cost of risk.

Wachovia Insurance Services specialists provide a comprehensive range of insurance and risk management services, including:

• Property and Casualty
• Workers' Compensation
• Surety - Dealer Bonds
• Contract Review and Analysis
• Corporate Risk Management and Risk Control Guidelines
• Claims Preparation and Claims Advocacy

Auto Inventory Coverage
Auto Inventory Coverage, also known as floorplan insurance, is designed to protect dealerships from physical damage losses to vehicles held for sale and owned. Coverage is available in a variety of deductible and limit options. The Auto Dealer Insurance Group handles placing this specialty coverage for our dealers in all states:

• New franchise autos and independents
• Equipment, implements and heavy equipment
• Weather aggregates

Garage and Garagekeepers' Liability Coverage
These are specialized liability policies designed to protect you from financial loss. Common areas of liability that are of concern in the industry include:

• Complete "garage" operations liability arising out of the repair of a customer's vehicle
• Pollution liability
• Statute and Title Errors and Omissions
• Care, customer and control of customers' vehicles
• Employment practice-related suits
• Contractual liability

Employee Health and Benefits
The Auto Dealer Insurance Group has the expertise to deliver employee benefit plans such as major medical insurance, dental plans, group life insurance and accidental death and dismemberment plans. Working with multiple carriers in each region, our team can structure the right program for your employees.

For more information about risk management solutions, please contact Wachovia Dealer Services to speak with a Relationship Manager or call 1-888-937-9997.