SERVICES FOR THE
AUTOMOTIVE INDUSTRY
BUSINESS INSURANCE & RISK MANAGEMENT
With our full menu of resources, Horton is able to successfully address our automotive client's needs and execute effective risk
strategies. Horton helps businesses lower the true cost of their risk, by focusing on risk management, supported by the best
claims advocacy, loss control and core insurance services available. Our capabilities range from securing basic insurance coverage
to overseeing comprehensive risk management programs and providing advanced, specialized services.
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Property Casualty
Horton Risk Management Services provides general liability, workers' compensation, automobile, property, excess liability, and directors
and officers insurance to clients in a variety of industries.
EMPLOYEE BENEFITS
Horton Benefit Services helps companies explore all their options – insured, self-funded and consumer-directed alternatives. The
goal is to help employers achieve a balance between cost management and employee satisfaction.
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Voluntary Benefits
The Horton Group helps companies improve morale and free up staff by offering well-designed, optional products such as individual
life, short-term and long-term disability and supplemental vision, dental, critical illness and accident insurance.
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Benefits >>
AUTO DEALERS
Are you tired of the traditional insurance process?
- The constant swings in insurance pricing, always blamed on catastrophes and financial markets.
- Paying excessive premiums and insurance companies sending your profits to investors.
- Insurance companies constantly entering and exiting the dealership market, with no loyalty.
- Lack of any real control over the entire process.
Our Solution
In traditional insurance programs, the company keeps the profits. The Horton Group is offering an insurance program from Auto Dealer Risk Solutions that is only available to selected participants. This program can effectively manage risk and control premiums. As a result, you can earn substantial investment income as a dealership member.
Here is how it works:
- You buy insurance from an insurance company owned by other automobile dealerships.
- You become an owner of this insurance company and participate in profits.
- You gain better control of the claims process.
The following coverages are available:
- Property & Garage Liability, including specialized coverage that all dealerships require.
- Dealer Open Lot Protection / Physical Damage Coverage
- Pollution Liability
- Employment Practices Liability
- Umbrella Protection
Program Details
- Insurance Program administered by Auto Dealer Risk Solutions, which utilizes an A rated insurance company.
- ADRS has long-term, documented success in Michigan.
- 25 years of experience directing MADSIF, (Michigan Auto Dealers Self-Insured Fund) and providing Workers' compensation coverage that has returned 33% ($100 Million) in dividends to more than 500 dealers.
- Ownership appreciation of 40% during the last 4 years.
- Newly available in Illinois!
Selecting The Horton Group can provide:
- Potential annual dividends with no additional assessments possible.
- A tremendous track record! Five years of superior results while insuring more than 175 dealerships throughout the Midwest.
- Long-term stability.
- A true partnership with other dealers – Dealers Helping Dealers.
- Membership in an innovative insurance program that provides tailored dealership protection while effectively managing costs.
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