Dealer Auto Insurance with the Best Coverage
for Car and Truck Dealerships
Protect your dealership with comprehensive dealer auto insurance, covering inventory, employees, and customer vehicles from financial risks.
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Top Insurance for Auto Services & Dealerships
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Smart Coverage for Auto & Truck Dealerships
Auto dealerships and truck dealerships face unique challenges like managing inventory, ensuring workplace safety, and delivering superior customer service. Travelers, the largest writer of commercial auto insurance, offers customizable solutions to protect against special insurance exposures, including property insurance and liability insurance.
With automotive technology advances and evolving American car buyers’ needs, dealerships must adapt to an ever-changing market. From 401(k) plans to key person protection, securing the right products and services helps businesses prepare for the future while staying focused on customers’ needs.
Recommended insurance policies for automotive professionals
Small business owners in the auto industry face unique risks every day. The right insurance provides financial protection against vehicle damage, injuries, and other unexpected events. With the proper coverage, dealerships can survive challenges and operate with peace of mind.
Business owner’s policy
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial umbrella insurance
A policy like this boosts coverage by increasing the limits of general liability insurance, commercial auto insurance, and employer’s liability insurance. It helps protect businesses from expensive lawsuits related to multi-vehicle auto accidents, customer injury lawsuits, and employee injury lawsuits.
Under this plan
Customer injury lawsuits
Employee injury lawsuits
Multi-vehicle auto accidents
Commercial auto insurance
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
A policy like this helps protect automotive businesses from financial loss after data breaches or cyberattacks. It’s recommended for any business that stores customer credit cards or other personal information.
Under this plan
Fraud monitoring services
Data breach investigations
Customer notification expenses
General liability insurance
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
Customized Coverage & Risk Management for Auto Dealerships
Running a dealership comes with many risks, from managing inventory in showrooms to handling test drives and scheduled maintenance. A strong Dealer Auto Insurance program helps safeguard your business, employees, and service areas from loss and damage. With a busy lot full of customer visits, unexpected issues like title errors, omissions, or even claims can happen. A well-structured plan should reflect the unique nature of your dealership, making sure it makes sense for daily operations.
Experienced agents can identify potential risks and work to create a strategy that includes Dealer Auto Insurance to minimize threats and protect your bottom line. Safety Services can also improve workplace conditions, reducing accidents that might result in a claim. Addressing errors before they escalate ensures a smoother process, keeping your staff prepared and your business running without disruptions.
How Much Does Insurance for Auto Dealers Cost?
The cost of business insurance for auto and truck dealerships depends on factors like size, state location, and specific risks exposed. The coverage amounts and deductibles you choose also impact pricing. Some dealers can save costs by bundling different types of policies. A Travelers representative can review your needs and provide a program that may offer the best protection for your employees, inventory, and commercial assets.
Cost for auto services and dealers
- Insurance costs for auto service businesses and car dealerships depend on various factors.
- The types of automotive services, including vehicle repair, tune-ups, roadside assistance, and service contracts, contribute to the cost.
- Shop or dealership size, equipment, property, and revenue affect insurance coverage expenses.
- The location where an auto business operates, the number of employees, policy limits, and deductibles also impact pricing.
- Whether it’s tire shops or collision repair shops, having the right coverage ensures financial security.
How do I get automotive business insurance?
Getting insurance for an auto service or dealer business is simple. Whether you run a mobile detailing business, repair shop, or gas station, you need to have basic information about your business ready. The application will ask for your annual revenue, payroll, and other details. You can easily buy a policy online and get a certificate of insurance through Eagle Nation in just a few steps.
To get started, complete a free online application, compare quotes, and choose the right policy. After that, pay for your coverage and download your proof of insurance, including Dealer Auto Insurance for comprehensive protection. Licensed insurance agents work with top-rated U.S. providers to help find the best coverage for your automotive business, whether you’re a one-person operation or have multiple employees.
Auto and Truck Dealer's Insurance for Today’s Unique Risks
Running a truck or auto dealership comes with many unique challenges, from managing a large inventory to maintaining workplace safety while delivering superior customer service. The largest writers of dealer auto insurance, like Travelers, understand the risks dealerships face and provide solutions that help protect their business. With the right coverage, dealers can safeguard their assets while freeing up time to focus on their growing needs and operational success.
A well-structured Dealer Auto Insurance plan helps protect the dealership against unexpected events, allowing businesses to offer the right products and services with confidence. Whether it’s handling liability concerns or ensuring financial security, having comprehensive coverage ensures dealerships stay prepared while continuing to serve their customers efficiently.
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Common questions about dealer auto insurance
Importance of Proper Coverage
For businesses like a vehicle service center, auto repair shops, or dealerships that store and service vehicles, having the right coverage is crucial.
Garage Liability & General Liability Insurance
Garage liability insurance and general liability insurance help protect against common risks, such as a customer who slipped on an oily spot in your garage operations, leading to a lawsuit. However, these policies may not cover additional exposure related to customers' vehicles under your care.
Garage Keepers Insurance for Full Protection
To fully carry protection, garage keepers insurance is essential. It covers accidental damage to a customer’s car while it is under your care, custody, and control whether in a parking lot or during a repair. If an employee accidentally damages a vehicle, this policy ensures your business is covered, preventing costly claims.
DOL coverage is essential for protecting a dealership’s vehicle inventory while they are on the lot and available for sale. This coverage helps pay for physical damage caused by collisions, theft, hail, fire, and other unexpected scenarios. It typically includes both comprehensive and collision protection, ensuring that vehicles remain covered from various risks that could impact the business.
The cost of insurance for a dealership depends on several key factors, including its loss history, the number of employees, and their driving records. If the dealership allows loaner vehicles for customers, this can also impact pricing. Strong safety controls and the use of risk management measures may help reduce costs. Additionally, the inventory values and location of the business play a major role in determining the overall cost.
A painting company with trucks carrying ladders on the roof needs the right protection. Personal car insurance won’t cover vehicle accidents that happen on the job, making commercial auto insurance important for automotive businesses.
If your vehicle is titled to your business, you drive to worksites, or carry tools, equipment, or products for work like a dump truck, you need proper coverage. Businesses that offer towing services or rely on delivery drivers and couriers should also check the laws in their state to see when coverage is required.
Small business owners in the car service and dealership business face many additional risks that require specialized insurance products. General liability insurance helps cover basic risks, but policies like product liability insurance are crucial.
If a new tire is installed and the tread separates, causing an accident, or if an oil change is done with bad oil, leading to damages to a customer’s car, this coverage helps with legal costs and claims.
Errors and Omissions (E&O) Insurance
For businesses providing professional services, errors and omissions insurance (E&O insurance) or professional liability insurance is essential. It protects against lawsuits related to professional mistakes or oversights, such as a vehicle detail taking longer than promised or not meeting promised expectations. Without this coverage, businesses may face costly legal issues.
Business Interruption and Equipment Breakdown Coverage
Disruptions can severely impact revenue, making business interruption insurance, often included in a BOP (Business Owners Policy), necessary. If a dealership or repair shop is forced to close temporarily due to a fire, storm, or another covered property claim, this policy helps cover expenses until operations resume. Additionally, equipment breakdown coverage, also called mechanical breakdown insurance, provides financial protection for a shop’s equipment or machinery that fails unexpectedly. However, it does not cover standard equipment wear and tear, as that falls under a policy exclusion.
Surety Bonds and Employment Practices Liability Insurance (EPLI)
Businesses should also consider surety bonds, which protect customers from employee dishonesty, negligent activities, employee theft, and breach of contract. If an issue arises, the insurance company will reimburse the business for its losses. Another key policy is employment practices liability insurance (EPLI), which helps in employment-related lawsuits involving harassment, wrongful termination, discrimination, and other work-related issues.
Dealer’s Open Lot (DOL) Insurance
For an auto dealership, dealer’s open lot (DOL) insurance is crucial to protect new car and used car inventory. It offers physical damage coverage against fires, hail, vandalism, theft, and other non-collision damages. Without this comprehensive coverage, businesses could face major financial losses.
"Eagle Nation Insurance made the entire process smooth and stress-free. Their team guided me through every step, ensuring I got the best coverage for my business. Highly professional and reliable—highly recommend!"