← The Enthusiast/Collector & Commercial Auto
The Enthusiast

Collector & Commercial Auto

Specialized auto coverage for collectors, dealers, and enthusiasts. From enclosed transport of a seven-figure Ferrari to track day liability for your weekend Porsche — we structure policies that understand the difference between a daily driver and a rolling investment.

Collector Vehicle Coverage

Agreed-value policies for classic, exotic, and collector automobiles. Unlike standard auto insurance that depreciates your vehicle, agreed-value coverage guarantees a pre-negotiated payout in the event of a total loss. We work with specialty carriers who understand that a 1967 Shelby GT500 is not a commuter car. Coverage includes spare parts, tools, and memorabilia stored with the vehicle.

Enclosed Transport & Transit Insurance

Moving a high-value vehicle across state lines or to a concours event requires more than a flatbed and a prayer. We arrange enclosed transport coverage that protects your asset door-to-door — including loading, unloading, and temporary storage at the destination. Policies cover mechanical breakdown during transit, cosmetic damage, and theft from secured transport vehicles.

Track Day & Motorsport Liability

Standard auto policies exclude track use entirely. We place dedicated track day coverage that protects your vehicle during high-performance driving events, time trials, and amateur racing. Liability coverage extends to damage you cause to other vehicles, track infrastructure, and third-party injuries. Available as single-event or annual policies for frequent participants.

Dealer & Fleet Programs

For collectors who buy, sell, and trade at volume — or operate a small dealership — we structure dealer plate programs, garage liability, and fleet policies that cover inventory on your lot, in transit, and during test drives. Includes customer vehicle coverage for cars left in your care for consignment or service. Scalable from a 5-car hobby operation to a 50-unit commercial lot.

Protect Your Collection

Whether it's a single concours-quality vehicle or a full showroom, let's build coverage that matches the value of what you drive.

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