Specialty Dealers Package
Discovery Questionnaire

What coverages require others as prerequisites? What should always bundle together?

$1M/$2M aggregate is the agreed floor from the Aon call. Any exceptions?

Blanket, scheduled, or ACV? Monthly reporting vs. annual? How do we handle consignment units and customer units in dealer care?

Truth in lending, odometer/title E&O, dealer legal defense — how do these fit in the product architecture?

Tools/equipment, signs, goods in transit, accounts receivable — or limited to dealer-specific exposures like parts/accessories in transit?

Demo ride coverage, seasonal operations, event/show coverage, hired auto, employee use, etc. Which are day-one must-haves?

What would embarrass us if we didn't have it? What would differentiate us if we offered it?

Max period of restoration, notification requirements, any experience with this basis you'd want to share?

$5M was discussed. Should we offer $1M/$2M/$3M/$5M tiers? Anything we should specifically exclude from the umbrella beyond standard?

Drag items so #1 = most important rating factor. This becomes the factor hierarchy in Quote Wizard.

• ⠿1 Revenue (annual gross)
• ⠿2 Inventory value
• ⠿3 Unit count (new + used)
• ⠿4 Loss history (frequency / severity)
• ⠿5 Territory / geography
• ⠿6 Years in business
• ⠿7 Service operations (Y/N)
• ⠿8 Brand mix
• ⠿9 Number of employees
• ⠿10 Square footage

Schedule rating, loss-rated, or hybrid? Over what period — 3-year or 5-year loss history?

Camera systems, GPS tracking on demo units, electronic waiver systems, employee training programs, secured lot fencing — give us the list and approximate credit magnitude.

If a dealer buys the full package vs. just property, is there a bundling discount? What's the philosophy — reward full-package buyers or keep pricing flat?

The Aon call discussed zip-code-to-territory rollup. How many territories are realistic at launch? State-level vs. sub-state groupings?

More data upfront = better risk selection but higher agent friction. Where's the right balance for this class?

Current dec pages, loss runs, inventory schedule, financial statements, photos — what's mandatory vs. preferred?

If yes, what are the minimum inputs needed for a quick-quote? This becomes the Quote Wizard "express" flow.

Based on your experience at Ryan Specialty and prior — what would make our process meaningfully better than the status quo?

Any existing relationships you're bringing that can generate early AGWP?

Demo ride waivers, lot security, camera systems, employee background checks, driver training — what's a hard requirement vs. a credit-eligible recommendation?

E-bike/e-scooter liability, lithium battery storage fires, EV charging stations at dealerships — what's on your radar?

Time limits, documentation standards, reservation of rights triggers — what should the policy conditions say?

e.g., "a 3-location Polaris/Can-Am dealer with $5M inventory typically pays $X–$Y annually." Note: this is for context only — not to fabricate rates.

400+ dealers have publicly cited frustration with their insurance options. A preferred-partner arrangement with the NPDA could be transformative for distribution.

What's most critical to get right first? Your sequencing becomes the project plan milestone order.

• ⠿1 Underwriting guidelines & appetite
• ⠿2 Rating algorithm & factor tables
• ⠿3 Coverage forms & endorsements
• ⠿4 Application / submission form
• ⠿5 Declination & referral logic
• ⠿6 Loss control requirements
• ⠿7 Agent marketing materials (vQuip)
• ⠿8 BDX / carrier reporting definitions

State filing timelines, Fortegra review cycles, any hard deadlines we need to build back from?

Sanitized prior program materials, application templates, rating worksheets — anything that accelerates the build.