Licensed Insurance Agent — Ellie Insurance Group
Kevin A. Smith is a licensed insurance agent at Ellie Insurance Group, the parent company behind DealerLiability.com. He specializes in commercial insurance for the automotive industry — helping auto dealers, repair shops, towing companies, and garages across Florida and six additional states find the right coverage at the right price.
Kevin works with hundreds of top-rated carriers to shop the market on behalf of his clients. His focus is on making sure automotive business owners understand exactly what they're covered for — and what they're not — before a claim happens.
One of the most common mistakes automotive business owners make is choosing the minimum required coverage limits — then discovering those limits aren't enough when a major claim hits. Here's how to choose limits that actually protect your business.
From test drive accidents to hail damage on the lot, auto dealerships face a distinctive set of risks that standard commercial insurance simply doesn't address. Understanding the most common claims helps you build a smarter coverage program.
Many automotive business owners assume their general liability policy covers everything. It doesn't. Here's a clear breakdown of what garage liability covers that general liability leaves out — and why the difference matters.
If you own an auto dealershipy of customer vehicles — for repair, storage, detailing, or parking — garagekeepers insurance is not optional. Here's what it covers, how it works, and why the difference between direct and legal liability matters.
Your vehicle inventory is your most valuable asset. Dealers open lot coverage protects it against the perils that can wipe out months of profit in a single event — from hailstorms to theft to fire.
Florida has specific statutory insurance requirements for tow truck operators that go beyond standard commercial auto minimums. Operating without the right coverage can result in license suspension and significant personal liability.
Dealer surety bondsequired to get your motor vehicle dealer license — but how much does it actually cost? Here's a complete breakdown of bond amounts by state, premium rates, and how to get the best price.
Getting a motor vehicle dealer license in Florida or Texas requires more than just filling out an application. Here's exactly what insurance, bonds, and documentation you need to get licensed and stay compliant.
Before NextGear Capital, AFC, Dealertrack, or Ally will approve your floorplan line, they require specific insurance coverages — and they must be listed as loss payee. Here's exactly what you need.
Have a question about your coverage or want a second opinion on your current policy? Kevin is available by phone or through the quote portal.