Comprehensive liability and physical damage coverage for auto dealerships — protecting your inventory, your operations, and your customers' vehicles at competitive rates.
Dealerships face a unique combination of risks that standard commercial policies weren't designed to address — large vehicle inventories, customer vehicles on the lot, road test liability, and the complexities of garage operations. We build programs that address all three exposures in a coordinated way.
Dealerships face unique risks from vehicle inventory, customer vehicles on-site, and garage operations. We build programs that address all three — with coverage that can be combined for comprehensive protection.
Physical damage protection for vehicles in the dealership's possession — your inventory on the lot, vehicles in transit, and units at auction. This addresses property damage exposure across your entire stock without scheduling each vehicle individually. Essential for both new and used car dealers.
Covers bodily injury liability and property damage caused by your garage operations — including vehicles on the lot and those undergoing service or repair. Also extends to road test incidents and other operational exposures. This is the liability backbone of a dealership insurance program.
Bridges the gap left by Garage Liability. While Garage Liability covers your operations, Garage Keepers specifically protects customer vehicles that are in your care, custody, or control for repairs, storage, or servicing. Note: coverage for personal property inside customer vehicles varies by policy — ask us what your specific policy includes.
These three coverages work best together. Dealers Blanket handles your inventory. Garage Liability protects you from operational liability claims. Garage Keepers closes the gap on customer vehicle responsibility. We also help dealerships layer in workers compensation, commercial umbrella, and cyber coverage as needed to build a complete, well-coordinated program.
As an independent agency, we compare rates across our carrier network to ensure you're getting both the right coverage and a competitive premium for your dealership's size and operations.
Many Dealerships underinsure to save money, and only find out the repercussions of underinsurance after a claim.
When your coverage falls short of your policy's coinsurance requirement, your carrier won't pay the full loss — they'll only pay your proportional share. Enter your numbers below to see exactly what that means at claim time.