You move the machines that run other businesses. Don't let the wrong insurance slow yours down.

We work with dealers across the full range of equipment categories: agricultural, construction and heavy equipment, industrial machinery, commercial trucks and transportation equipment, material handling and forklifts, power sports, and specialty equipment. We also work with rental equipment companies that carry similar inventory and liability exposures. If your business involves selling, servicing, or renting high-value equipment, we understand your risk profile.

We build dealer-specific programs that address the exposures most commercial policies miss: floor plan and inventory protection, in-transit coverage for high-value equipment, product and completed operations liability, service department and garage liability, workers' compensation for physical dealership environments, commercial fleet programs for demo and delivery vehicles, and cyber liability for dealership management systems. We also evaluate umbrella and excess layers to make sure your limits reflect the actual value of assets in your operation.

Floor plan coverage protects inventory that's financed through a lending arrangement — meaning equipment on your lot that technically belongs to the lender until it's sold. Most dealers have some version of this coverage in place, but the details matter significantly: what's covered in transit, what happens during a weather event or theft, how quickly claims are resolved, and whether your policy limits reflect current inventory values. Polarix reviews floor plan coverage as part of every dealer engagement because it's consistently one of the areas where gaps create the most exposure.

The most common gaps we find fall into three areas. First, service department liability — technician errors, customer property damage, and completed work claims are frequently underinsured in standard commercial packages. Second, product liability for complex machinery — the liability chain on equipment sold extends further than most dealers realize, particularly around modifications, accessories, and installation. Third, cyber exposure — dealership management systems hold significant customer financial data, and most dealers don't carry cyber limits that match their actual exposure. A program review usually surfaces at least one of these within the first conversation.

For dealers with strong safety records and meaningful premium spend, yes — and the opportunity is often larger than expected. Dealerships that run disciplined operations and maintain low claims frequency are paying premiums into a traditional pool that doesn't reward their performance. A group captive changes that: your underwriting profits and investment income come back to your business rather than to the carrier. If you're spending $150,000 or more annually on insurance and have a favorable loss history, Polarix will model the opportunity for you at no cost.

In traditional brokerages, your advisor is compensated to place your policy. At Polarix, our advisors are partner-owners, which means they're building long-term value in a firm whose reputation depends on client outcomes. That's a fundamentally different relationship than transactional brokerage. It's the reason we bring captive analysis to clients who qualify, proactively identify gaps before renewals, and measure success by what changes for your business, not just whether you re-sign.

Start with a conversation. We'll learn about your operation, review your current program, and give you an honest assessment of where you stand, including whether a captive program could be a fit. If we can help, we'll show you exactly how. If we can't, we'll tell you that too.