Whether you run a small independent lot or a large franchise dealership, our dealership insurance solutions provide complete protection for your inventory, service operations, and liability risks. We work with multiple carriers to ensure you receive the best coverage tailored to your needs.

Key Coverages for Dealerships

• Garage Liability – Combines general liability and automotive liability for dealerships.
• Dealers Open Lot – Protects against physical damage to vehicles from covered events like wind, hail, flood, fire, vandalism, and collision.
• Garage Keepers Liability – Covers customer vehicles in your care during service or collision repair.
• Auto Liability – Provides coverage for test drives, service loaners, and shop vehicles.
• Errors & Omissions (E&O) – Protection against claims related to financing, odometer disclosures, and title issues.
• Umbrella Coverage – Extends liability protection beyond basic policy limits, ranging from $1M to $25M.

Why Accurate Coverage Matters

One of the biggest challenges in dealership insurance is ensuring your **Dealers Open Lot** coverage is accurate. Underinsuring your inventory can result in penalties during a claim. For example, if your inventory is valued at $500,000 but insured for only $250,000, your claim payout may be reduced by 50%. We help ensure your policy reflects the true value of your inventory to avoid costly coverage gaps.

Customized Coverage for Your Dealership

Every dealership operates differently, which is why we tailor coverage based on factors like lot protection (indoor vs. outdoor), geographical location, repair operations, and direct repair program participation. Our team specializes in structuring policies that safeguard your dealership from financial risk.

📞 Contact us today to discuss a custom insurance solution for your dealership!