Coverages

The complete auto dealer insurance program

A dealership needs more than a generic business policy. Each coverage below solves a specific dealer exposure — from the inventory on your lot to the paperwork in your F&I office. Build the combination that fits your operation, all through one agency.

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Garage Liability

The foundation policy for any dealership — bodily injury and property damage arising from your operations, your lot, and test drives.

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Dealers Open Lot

Physical-damage protection for the vehicles you own — theft, hail, vandalism, fire, flood, and collision on your lot.

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Garagekeepers

Protects customer vehicles left in your care for service, storage, or valet — damage from fire, theft, collision, or your operations.

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Dealer E&O / F&I

Errors & omissions protection for your finance and insurance (F&I) office — paperwork, disclosures, and compliance exposures.

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Workers' Comp

Medical and wage-replacement benefits for injured lot staff, technicians, salespeople, and office employees — required in almost every state.

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Commercial Auto & Dealer Plates

Drive-away, loaner, dealer-plate, and owned-service-vehicle exposures — the coverage for vehicles your dealership operates on the road.

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Cyber Liability

Breach-response and liability coverage for the sensitive customer finance data stored in your DMS — plus FTC Safeguards Rule exposure.

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Property & BPP

Coverage for your building, showroom, signage, shop tools, lifts, and equipment — everything that isn't a vehicle.

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Commercial Umbrella

Excess liability limits stacked above your garage liability, auto, and workers' comp — protection against catastrophic, business-ending claims.

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New Dealer Package

A bundled startup program for newly licensed dealers — garage liability, open lot, and the coverage you need to get licensed, bonded, and open.

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Get a dealer insurance quote today

Tell us about your dealership and we'll build a program that fits how you actually operate — often with same-day turnaround.

Start My Quote 844-967-5247