Top 5 Questions for Dealers Insurance

1. What is dealers insurance?
In general terms, dealers insurance is the insurance that protects auto dealerships and the specific coverages that they need.

2. What does an auto dealership insurance need to cover?
  • Garage Liability
  • Commercial Property
  • Commercial Umbrella
  • Workers Compensation
  • Crime
  • Commercial Auto
  • Garagekeepers Insurance
  • Dealers Open Lot
  • Pollution
  • Bonds
  • Cyber Liability
  • Equipment Breakdown

3. Can you cover all of these under one policy?
Generally speaking, all of these can go under one policy. We can put all of these coverages under one commercial package policy or quote the policy and see if standalone policies would be a better option. At the end of the proposal process, we can review both options to see what you prefer to do.

4. Can your agency help with loss prevention or risk transfer options for dealerships?
Yes. All of our carriers will offer options on inspections and give advice on ways to save on your premium as well as keep your dealership as safe as it can be. From disposal of waste to a simple safety program, our carriers offer all dealerships loss prevention guidance that can help save you money and claims.

5. What insurance companies do you work with for auto dealerships?
We have multiple markets that we quote through on auto dealerships. Which company we work with depends on what type of dealership it is. For example, certain carriers are better for used car dealerships. Certain carriers are better for franchise dealerships. Depending on if there is a maintenance department, there are certain carriers that will offer broader garage coverage for garage liability and garagekeepers coverage. We will make sure to show you all of your options and make sure we have your dealership covered correctly.