CADA 360 Garage Insurance combines hands-on risk management and national dealer feedback
Dealers have always managed risk.
What has changed is how many categories of risk now overlap, and how quickly a single issue can spread across operations.
Physical security and key control still matter. So do facility and fire protections, employee screening, fraud prevention, vendor dependencies, and cyber events that can interrupt business even when a dealer’s own systems are not directly breached.
That is the environment the CADA 360 Garage Insurance program, delivered with HUB International as the broker partner, is designed for. In a recent interview, program leaders describe the offering as more than insurance placement.
A recurring theme in discussions with HUB and CADA is that risk management only works when it reflects how dealerships actually operate. That perspective comes from audit and broker teams with direct experience in dealer environments and a detailed understanding of the risks dealerships face every day.
The program connects with other CADA offerings focused on prevention and mitigation, including CADA Security Services and CADA Drive HR, where tools such as free employee background checks can help reduce internal risk from fraud and bad actors.
Paul Embrack, National Underwriting Manager at HUB International, described the distinction between dealer-specific expertise and a generalist approach in straightforward terms.
Effective risk management, he said, comes from professionals with “very acute knowledge of the industry,” rather than those “bouncing back and forth between industries.” That knowledge extends beyond basic housekeeping to include inventory layout, customer access points, equipment placement, and how newer infrastructure, such as EV charging, is integrated into dealership facilities.
That philosophy also shapes how HUB works with dealers when issues are identified. Derrick Osborn, National Practice Leader at HUB International, pointed to situations where coverage challenges arise due to gaps in physical or operational protections.
From CADA’s perspective, the program’s structure is strengthened by how closely it remains connected to dealers themselves. The CADA 360 Garage Insurance Committee, made up of dealers from across the country, along with HUB representation, is designed to ensure the program reflects what is happening on the ground.
Osborn described the committee as a meaningful source of candid feedback that helps inform program decisions. “That process is really good because nobody else is getting that type of feedback directly from dealers to help shape the program or the decisions that go into the program,” he said.
Michael Psotka, CADA’s CFO and Executive Director of Member Services, added that the committee’s composition is a key advantage. Dealer representatives from across the country and from single rooftops to large dealer groups, bring insight into how risks and competitive conditions vary by province. The result, he said, is a program informed by a national perspective rather than a single regional view.
That national insight is supported by HUB’s regional presence. Dealers work with brokers and program staff based in their own province or region, people who are active in local dealer environments and able to draw on national expertise when needed.
The value of that structure becomes especially clear in fast-evolving risk areas such as cybersecurity. Program leaders noted that many dealers are reassessing how cyber risk is managed, particularly the assumption that vendor agreements automatically provide adequate protection.
Osborn said dealers are often surprised when they review contracts more closely and realize how limited some vendor obligations can be in the event of a disruption. That realization has driven more interest in understanding how dealership-specific cyber coverage actually responds in real-world scenarios.
For dealers, the issue is not simply whether they carry cyber insurance. It is whether the coverage responds as expected. Embrack described this as portfolio assessment, ensuring limits and coverages are appropriate and that optional protections, such as contingent business interruption, social engineering, and funds transfer fraud, are properly evaluated.
As a broker, HUB also monitors how quickly specialty markets move. Osborn noted that cyber coverage has historically been cost-prohibitive for many dealers, but that pricing and product options are evolving. His advice was straightforward: avoid renewing coverage on autopilot when the market has shifted. “We don’t sell you insurance,” Osborn said. “We help you buy it.”
Another differentiator cited by program leaders is how Garage Insurance fits within the broader CADA ecosystem. Dealership risk is not confined to a single policy. The program connects with other CADA offerings focused on prevention and mitigation, including CADA Security Services and CADA Drive HR, where tools such as free employee background checks can help reduce internal risk from fraud and bad actors.
Taken together, the message from CADA and HUB is that stability does not come from standing still. It comes from staying connected to dealer input, regional realities, specialized risk expertise, and coverage options that evolve as risks change.
