Truck, Automotive, Boat, Motorcycle, Equipment

When it comes to insurance for a dealership, you want to make certain that you are dealing with an experienced specialist who has experience insuring this industry. There are many unique coverages that are vital to have in order to properly insure a dealerships operations and premises. Our staff has reviewed numerous dealerships and insurance companies on their coverages. Many companies have claimed that they write dealerships, but when closely reviewed are missing “key” coverages that leave “gaps” in the policy. Unfortunately, these “gaps” are usually not noticed until a claim arises and is rejected. Our agency works with insurance carriers that have tailored programs and understand the needs of a dealership. Below are some of the important coverages that we offer in our programs.

Garage Liability

• Employee Benefits Liability
• Employment Practices Liability
• Furnished Auto Coverage
• Tow Truck Coverage
• Drive Other Car – Broad Form
• Error and Omissions (E & O) – Title E & O / Federal Odometer E & O / Truth in Lending and Leasing E & O / Insurance Agents E & O (For dealerships that sell credit life and/or credit disability income)


• Physical Damage (Dealer’s Blanket) – Reporting and Non-reporting form options – Hail/Wind Deductible Options – Four vehicle max, 15 vehicle max and unlimited / Coverage for all inventory including or excluding floor plan / False Pretense Coverage – Entire Inventory
• Garagekeepers – Direct Primary Basis
• Business Income – Actual Loss Sustained
• Utility Services – Direct Damage / Time Element
• Equipment Breakdown
• Accounts Receivable
• Valuable Papers


• Employee Dishonesty
• Money & Securities
• Computer Fraud & Funds Transfer
• Red Flag Program Discount

Pollution Liability
Flood Insurance
Types of Dealerships We Insure

• Franchised Auto Dealerships
• Non-Franchised Auto Dealerships
• Harley Davidson Dealerships
• Boat Dealerships
• Truck Dealerships
• Recreational Vehicle Dealerships
• Equipment Dealers

Interested in a quote now or at renewal? Feel free to contact us today. Not ready for a quote yet? Not a problem, we’ll contact you before the renewal.