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Specialty Products

Recyclers

rows of cars in junkyard

Product Info

This commercial package was formerly offered by Universal Underwriters, now part of Zurich, our carrier for the Automotive Aftermarket Program. You’ll find easy submissions and competitive rates.

Arrowhead’s program has been a long-term player in the Recycler and Rebuilder market. With a consistent and committed presence to the Automotive Aftermarket industry since the early 1990s, our program utilizes admitted A.M. Best “A” rated carriers to cover the exposures of various automotive businesses.

Zurich
AL, AK, AZ, AR, CA, CO, CT, DE, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, WV, WI, WY

Coverage Highlights

Property

  • Building Coverage
  • Business Interruption/Extra Expense
  • Business Personal Property (BPP) including inside stock & equipment
  • Stock in the Open
  • Equipment Breakdown Protection
  • Property Basket Plus Endorsement
    • Demolition expenses
    • Additional coverage for increased costs of construction
    • Pollutant clean-up and renewal
    • Select crime coverages

General Liability

  • Third-Party Product Recall Liability
  • Employee Benefits Liability
  • Injury occurring from a product sold or service provided
  • Coverage for vacant land and leased properties

Crime

  • Employee Dishonesty
  • Forgery or Alteration
  • Theft (in and out)

Commercial Auto

  • Liability and Physical Damage
  • Garagekeepers liability (direct or legal liability basis)

Inland Marine

  • Mobile Equipment and Cargo Liability

Commercial Umbrella

  • Liability limits up to $5M

Target Market

  • Minimum of three years in business (must have minimum 3 years industry experience)
  • Replacement Cost Value (RCV) offered on buildings less than 30 years old or with upgraded roof, plumbing and wiring in the last 30 years
  • Formal safety procedures must be in place for flammable fluid draining and auto dismantling
  • Members of national and/or state recycler associations, preferred
  • Car stacking considered (no more than two high, with proper racking and in a restricted area)
  • U pull it (must have liability waiver in place)
  • No fabricating, manufacturing or rebuilding of braking or steering components
  • No repossession operations allowed
  • The following incidental operations are considered:
  • Sale of scrap metal and used tires
  • Used auto sales
  • Hauling of non-auto items such as toolboxes or generators
  • Towing operations
  • Non-auto recycling

How to quote

EASY SUBMISSION PROCESS

Email the following documents to AftermarketProgram@ArrowheadGrp.com

  • Complete Acord application
  • Narrative of operations
  • Survey of hazards and applicable supplemental surveys
  • 4 years of currently valued loss runs
  • Current employee list and annual payroll
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