Experience matters. Since 1988.

Insurance Consulting Group

Insurance Consulting Group is a fee-based consulting service which works completely independent from any insurance carrier or insurance agency and receives no commission or incentive from either of these.

Our allegiance is to you, the auto dealer.  We work exclusively for you.

Insurance for Auto Dealerships

We have access to “A”-rated carriers, working both with Broker Agencies and Direct Writers, giving us flexibility in the marketplace.   Our process, along with our expertise, helps to drive your costs down.  Though this process sometimes develops a love-hate relationship with the markets, they continue to work with us both because of the fair and impartial process we have developed and because of the quality of the clients we represent.

Insurers we consider in the coverage search for your business have been fully vetted by us.  They have a proven history in managing claims, loss control and service to their clients that warrants our “A” rating.   We further require they have an “A” in the AM Best Rating system.

Our Philosophy and Process

We watch trends to track the best pricing and service.

Our team determines specifications and comparable quotes.

We deliver quotes and recommendations based on your needs.

Insurance companies are profit-driven and underwriting guidelines change from time to time.  Part of our job is to be aware of those trends and to help you obtain the coverage you need at the best price and service.  We help you determine the coverage you need and then obtain comparable quotes based on those specifications.  We present you options in an easy-to-understand format to help you make the purchase that best fits your business.  We also provide you information on the services provided by each option so that you can base your decision on more than just price.

The direct writers have had frequent agent turnover and years of up’s and down’s with pricing.  Our program has weathered the years of turmoil and has faithfully provided our customers shelter in the storm for 28 years.  You will always have us on your team as an intermediary.


Auto Dealer Insurance

Insurance Consulting Group understands that Auto Dealerships have a diverse set of insurance needs.  As professional insurance consultants we are able to assess the risk inherent to all aspects of your business, then make recommendations to cover your needs.  Years of working with single- to multiple franchise operations have uniquely equipped us to provide you with a skilled assessment of your insurance needs, both in terms of the types of coverage as well as the amount of coverage you need in each area of exposure.

Types of coverage for Auto Dealers often include:

  • Garage & General Liability – includes all auto exposures.
  • Garage Keepers – Legal/Primary Liability – all customer’s autos in for service or stored on your lot.
  • Physical Damage Coverage – Collision and Comprehensive Coverages for all owner inventory.
  • Property Coverages & Related Exposures – Buildings, Inventory, Contents, Business Interruption, Signs and Employee Tools
  • Errors & Omissions Insurances – most of these coverages are mandated by state laws – i.e. – Title, Odometer & Lemon Law.
  • Crime – Money & Securities, Fraud, & Employee Dishonesty
  • Employment Practices Liability – Harassment & Wrongful Termination
  • Cyber Data/Breach – Theft of files from on-line attackers (all of your files have personal information pertaining to each sale that has occurred).
  • Commercial & Personal Umbrellas – Excess coverage over primary Garage Liability
  • Directors & Officers Liability
  • Dealer Bonds

Each situation brings different exposures which we will address in our assessment and recommend appropriate coverage in our final process.

Fees for Service

Fees for service will be determined by employee count and store front locations:

Please contact Cole or Sherry for additional clarification.





About Us

Cole Voors

Cole Voors

Cole Voors is a graduate of the University of Nevada, Reno with a Master of Business Administration emphasis Finance degree. Cole has held numerous safety and risk management positions in construction, prior to the insurance industry. Cole worked for Federated Insurance Company as their first direct employee in the upper region of the state of Nevada. He has over seven years’ experience related to insurance products for auto, motorcycle, boat, and equipment dealerships. Cole continues to work in the dealership division at RiskPoint Insurance Advisors as an independent broker and has multiple auto dealership clients in numerous states.

Sherry Ruptak

Sherry Ruptak

Sherry has 22 years in the insurance industry.  Prior to that, she had 8 years of office management experience, including the administration of the business insurances.  She also spent ten years as a service program coordinator and national training leader for a national non-profit organization.  Sherry is passionate about getting to know the needs of her clients and works diligently to find solutions to keep costs down.

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