Auto Dealer Insurance

If you’d like to schedule a review of your coverages CLICK HERE or for a quote

If you’re an auto dealer, you’re familiar with all the obvious risks: your most valuable products are vulnerable on display in your showroom and as they sit in open lots 24 hours a day. 

But do you know whether your auto dealer insurance covers the liabilities of doing business, like having employees or the hundreds of visitors coming to your lot every month? Have you considered that some visitors might be looking to make a quick buck by filing an injury claim against you?  

Do you think about claims that originate from buyers who intentionally or accidentally give you false information in order to buy a vehicle? This can be as bad for your business as theft or inventory damage. 

Every single business is unique. We look at every aspect of your specific business and put together a comprehensive business insurance policy. We can be trusted to make certain your coverage is customized to your business.

What is covered in the policy?

Your comprehensive policy can include the following coverages:

  • Property damage and bodily injury – This covers potential damage from garage- and lot-related operations
  • Owned autos – This provides protection for claims from disagreements and ownership 
  • Hired autos – This protects vehicles you or an employee borrows or rents for business reasons
  • Temporary substitute autos – This protects owned automobiles in the event they are disabled, and you need a temporary vehicle
  • Newly acquired autos – This protects new and additional automobiles obtained during the policy period.
  • Garage keepers – This covers damage to property and automobiles left behind by customers
  • Garage-owned autos – This covers damage to garage-owned automobiles stored or on the lot
  • Non-owned autos – This covers your employees, partners or household members using vehicles for personal or business matters

Optional Coverage Ideas

We can also provide your business with more complete protection at affordable rates, like:

  • Defective Product and Faulty Work Coverage — This protects the items and work done by your shop in case the parts or work result in an accident that damages your customer’s car (expanded garage liability coverage)
  • Customer Autos Actual Loss Sustained — This covers the actual loss of a customer’s auto no matter the dollar limit.

You can increase your savings by joining this coverage with a business property policy, resulting in complete protection for your business.

Are you concerned about costs?

Don’t be. Our auto dealer insurance is very affordable. Whether you own a new or used car dealership, we have the perfect policies for you. We can provide you with a means to eliminate the risks that come from a large inventory of open-lot or garaged vehicles. 

Why We’re Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.