Affordable insurance starts with an easy quote
Dealership Insurance (often called Garage Insurance) is a specialized commercial package designed for franchised and independent auto dealers. It combines “Garage Liability” to cover day-to-day operations with “Dealers Open Lot” (DOL) coverage, which protects your vehicle inventory from weather, theft, and vandalism. This coverage is the financial firewall between your profit margins and the risks of managing a high-value fleet.
Dealers face a unique dual threat: liability from test drives and physical damage to the lot. A single hailstorm can write off an entire quarter’s profit in minutes. According to the National Automobile Dealers Association (NADA), dealership inventory costs and operational risks have risen sharply, making the protection of assets against weather events and theft critical for solvency. Furthermore, “False Pretense” schemes—where a scammer uses a fake ID to steal a car during a test drive—are on the rise and are often excluded from standard policies.
We structure policies that protect both your business operations and your rolling inventory.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard Garage Liability | Comprehensive Dealer Package |
|---|---|---|
| Accident During Test Drive | ✔ Covered | ✔ Covered |
| Hail Damage to Inventory | ✖ Excluded | ✔ Covered (Open Lot) |
| Theft by Deception (False ID) | ✖ Excluded | ✔ Covered (False Pretense) |
| Title Errors & Omissions | ✖ Excluded | ✔ Covered |
“How much does dealer insurance cost?” Premiums are calculated based on your total inventory value and the number of dealer plates/employees.
Direct writers often struggle with the complexity of inventory fluctuation. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
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