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Dealership Insurance

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When it comes to running an auto or boat dealership, protecting your business from unforeseen risks is crucial. That’s where dealership insurance comes in. In this comprehensive guide, we will explore the world of dealership insurance, its cost in Ohio, the types of dealers who need it, and the various coverages available.


Whether you’re a car dealer, boat dealer, or involved in other dealership ventures, understanding dealership insurance will help safeguard your business and give you peace of mind.

What is dealership insurance?

A specialized form of commercial insurance named dealership insurance offers protection to automobile and boating dealerships from a wide range of risks. This policy offers coverage for liabilities associated with running the business while keeping the property and other potential losses safeguarded as well. With the correct dealership policy in place, proprietors can ensure their establishment’s security by protecting assets, automobiles, staff members, and customers from unanticipated events.

How much does dealership insurance cost in Ohio?

Dealership owners in Ohio are faced with several considerations when assessing their insurance premiums. While exact figures can vary based on individual circumstances, it’s essential to consider key fundamental factors that contribute to or influence the overall cost.
According to industry data, the average annual premium for dealership insurance in Ohio ranges from $10,000 to $50,000 or more, depending on various factors. The size and nature of your dealership, such as the number of vehicles in your inventory, the value of your assets, and the extent of your operations, play a significant role in determining the cost.

Additionally, factors like location, claims history, security measures implemented on the premises, and the coverage limits and deductibles selected also impact the cost of dealership insurance. High-risk areas or dealerships with a history of frequent claims may face higher premiums due to increased exposure to potential risks.

To obtain accurate pricing tailored to your specific dealership, it is advisable to consult with someone knowledgeable about insurance dealerships, like Ellerhorst Insurance Agency LLC, an agent who can assess your needs and provide personalized quotes. Ellerhorst Insurance Agency LLC can analyze the unique aspects of your business and factor in the coverages required, such as dealer’s open lot insurance, garage liability, commercial property insurance, and more, to determine the precise cost.

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Types of Dealers Who Need Dealership Insurance

Dealership insurance is not limited to just car dealerships. Various types of dealerships require this specialized insurance to protect their unique risks. Here are some examples:

Auto Dealers

Boat Dealers

Tractor & Truck Dealers

ATV & Off-Road Dealers

Motorcycle Dealers

At a car dealership, a professional man and woman are seated at a sleek desk, ready to assist customers. They are impeccably dressed, exuding confidence and expertise. Neatly stacked tires stand nearby, a testament to the dealership's commitment to quality and service. In the foreground, a stunning blue car takes center stage, its vibrant hue captivating attention. The car's windows reflect the brightness of the surroundings, accentuated by the natural light streaming through the windows in the background. The clean and pristine white floor adds a touch of sophistication, creating a welcoming and professional atmosphere for clients. This car dealership knows the importance of having dealership insurance.

Auto Dealers

Auto dealerships are the most common type of dealership that requires insurance coverage. Whether you specialize in selling new or used cars, having the right insurance in place is essential to protecting your valuable inventory, property, and liability exposures. Auto dealer insurance typically covers risks such as theft, property damage, general liability, and more.
Image showcasing Mastercraft tow boats on their trailers, illuminated by overhead lights. The boats, featuring a sleek combination of white, black, and red colors, are equipped with ski towers and a vibrant red bimini. The accompanying trailer is also red. This visual represents the relevance of dealership insurance for protecting valuable assets like these boats and trailers.

Boat Dealers

For those in the boat dealership industry, having appropriate insurance coverage is vital to safeguard their assets and liabilities. Boat dealership insurance provides protection against risks such as damage to boats, theft, liability claims, and even coverage for watercraft demonstrations and test drives.
Image showcasing Mastercraft tow boats on their trailers, illuminated by overhead lights. The boats, featuring a sleek combination of white, black, and red colors, are equipped with ski towers and a vibrant red bimini. The accompanying trailer is also red. This visual represents the relevance of dealership insurance for protecting valuable assets like these boats and trailers.
Behold a captivating image on a dealership insurance page, where a fleet of powerful trucks stands proudly in a spacious lot. The trucks, painted in a striking combination of white and red, emanate strength and reliability. Aligned in perfect formation, they await their next adventure, ready to conquer any terrain. The gleaming white color represents cleanliness and professionalism, while the bold red accents evoke a sense of energy and vitality. Their imposing presence is a testament to their capabilities, making a lasting impression on potential customers. As the sun casts its warm glow upon the lot, the trucks exude a timeless appeal, symbolizing trust and dependability for those seeking exceptional vehicles.

Tractor & Truck Dealers

Tractor and truck dealers face unique risks associated with their industry. Their insurance needs often include coverage for inventory, liability, and specialized equipment. Tractor and truck dealership insurance can help protect against risks such as vehicle damage, bodily injury, property damage, and more.
"Welcome to an exhilarating scene on a dealership insurance page dedicated to ATVs. Along a rugged rock road, a captivating lineup of four-wheeler ATVs awaits, ready to unleash their off-road prowess. The ATVs are strategically positioned, showcasing their robust designs and capabilities. Against the backdrop of shimmering water, the scene is imbued with a sense of adventure and exploration. The ATVs, painted in various bold colors, exude power and versatility, enticing riders to embrace thrilling off-road experiences. With their rugged tires and sturdy frames, these ATVs are the epitome of durability, promising excitement and freedom in the great outdoors. Get ready to conquer new terrains and create unforgettable memories with these formidable machines."

ATV & Off-Road Dealers

ATV and off-road vehicle dealerships serve the needs of those who crave outdoor excitement (outdoor enthusiasts and adventure seekers). For their peace of mind regarding inventory safety and business continuity, reliable insurance coverage is essential. Normally, it covers risks such as theft, property damage, liability claims, as well as other potential hazards; ATVs and off-road dealership insurances provide ample protection.
"Welcome to an exhilarating scene on a dealership insurance page dedicated to ATVs. Along a rugged rock road, a captivating lineup of four-wheeler ATVs awaits, ready to unleash their off-road prowess. The ATVs are strategically positioned, showcasing their robust designs and capabilities. Against the backdrop of shimmering water, the scene is imbued with a sense of adventure and exploration. The ATVs, painted in various bold colors, exude power and versatility, enticing riders to embrace thrilling off-road experiences. With their rugged tires and sturdy frames, these ATVs are the epitome of durability, promising excitement and freedom in the great outdoors. Get ready to conquer new terrains and create unforgettable memories with these formidable machines."
"Welcome to a captivating image on a dealership insurance page, dedicated to a motorcycle dealership. A stunning array of motorcycles is elegantly lined up, creating a mesmerizing display. The motorcycles showcase a seamless gradient of colors, starting with sleek black, transitioning to vibrant orange, then to captivating blue, and finally to pristine white. The front of each motorcycle takes center stage, revealing their distinctive designs, sleek lines, and powerful features. These motorcycles exude a sense of freedom and adventure, promising exhilarating rides on the open road. The lineup represents a harmonious blend of style and performance, captivating the hearts of motorcycle enthusiasts. Prepare to embark on thrilling journeys with these captivating two-wheeled companions."

Motorcycle Dealers

In the world of the dealership industry, motorcycle dealerships also form a niche segment. For these dealers, insurance coverage is imperative as it safeguards their prized inventory, showroom, and workshop. Motorcycle dealership insurance typically covers risks associated with theft, damage, and liability claims.
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Types of Coverages for Dealer Insurance

Dealership insurance offers a wide range of coverage to address the specific needs of auto and boat dealers. Here are some of the key coverages typically included in a comprehensive dealership insurance policy:

Dealer’s Open Lot Insurance

Garage Keeper’s Insurance

Garage Liability Insurance

Business Interruption Insurance

Commercial Property Insurance

Commercial General Liability

Workers Compensation

Cyber Liability

Employment Practices Liability

False Pretense Coverage

Dealers’ Errors & Omissions Coverage

Inland Marine Insurance

"Welcome to a captivating image on a dealership insurance page, highlighting the importance of dealer open lot insurance. As the sun gracefully sets, a sprawling lot filled with an impressive collection of cars comes into view. The golden hues of the sunset cast a warm and inviting glow upon the vehicles, emphasizing their beauty and allure. This expansive display represents the dealers' valuable inventory, encompassing a variety of makes, models, and colors. Each car holds the promise of transportation, freedom, and adventure. Amidst this picturesque scene, the significance of dealer open lot insurance becomes apparent, safeguarding these valuable assets against unforeseen risks. This image serves as a reminder of the importance of comprehensive coverage, allowing dealers to confidently protect their inventory as they provide customers with the joy of owning a reliable and stylish vehicle."

Dealer’s Open Lot Insurance

Dealer’s open lot insurance serves an invaluable purpose for auto dealerships across the country. By providing extended protection for vehicles stored on their lots, owners are able to minimize the financial risk associated with unexpected events like theft or vandalism. Additionally, these policies offer critical measures against potential losses stemming from other forms of physical harm, like fire or hail damage.
"Welcome to a compelling image on a dealership insurance page, highlighting the significance of garage keepers insurance. Within a bustling repair shop, the focal point rests on a white pickup truck undergoing maintenance. The raised hood reveals a glimpse into the intricate workings of the vehicle, while a vibrant red rag rests on the truck's grill, symbolizing the attention to detail and care provided by the repair professionals. Adjacent to the truck, a blue car is elevated on a lift, signaling ongoing repairs and the commitment to ensuring optimal performance. This snapshot captures the essence of a busy garage, where skilled technicians diligently work to keep vehicles in top condition. Garage keepers insurance plays a crucial role in protecting both the repair shop and their valued customers, providing coverage for any unforeseen damage or incidents that may occur while vehicles are in their care."

Garage Keeper’s Insurance

Garage keeper’s insurance is essential for dealerships that provide repair and maintenance services. This coverage protects customers’ vehicles while they are in your care, custody, and control. In the event of damage or theft, the garage keeper’s insurance provides compensation for repairs or replacement.
"Welcome to a compelling image on a dealership insurance page, highlighting the significance of garage keepers insurance. Within a bustling repair shop, the focal point rests on a white pickup truck undergoing maintenance. The raised hood reveals a glimpse into the intricate workings of the vehicle, while a vibrant red rag rests on the truck's grill, symbolizing the attention to detail and care provided by the repair professionals. Adjacent to the truck, a blue car is elevated on a lift, signaling ongoing repairs and the commitment to ensuring optimal performance. This snapshot captures the essence of a busy garage, where skilled technicians diligently work to keep vehicles in top condition. Garage keepers insurance plays a crucial role in protecting both the repair shop and their valued customers, providing coverage for any unforeseen damage or incidents that may occur while vehicles are in their care."
"Welcome to a compelling image on a dealership insurance page, shining a spotlight on the significance of garage liability insurance. Inside a bustling car repair shop, a skilled mechanic dressed in coveralls meticulously inspects the engine bay of a vibrant red car. With a focused expression, he uses a light to carefully examine the components, ensuring precision and expertise in his work. The walls of the repair shop are painted in a calming blue shade, creating a professional and inviting environment. This image encapsulates the dedication and attention to detail that garage liability insurance aims to protect. It safeguards the repair shop, its employees, and customers against potential liabilities and accidents that may occur during the repair process. With comprehensive coverage, both the automotive professionals and their valued clientele can have peace of mind, knowing they are protected in their pursuit of keeping vehicles in optimal condition."

Garage Liability Insurance

Garage liability insurance is designed to protect dealerships from claims and lawsuits arising from bodily injury or property damage that occurs on the premises or as a result of dealership operations. It covers legal expenses, medical costs, and damages awarded in lawsuits, ensuring that your dealership is financially protected against liability claims.
"Welcome to a compelling image on a dealership insurance page, highlighting the importance of business interruption insurance. Within a bustling repair shop, a scene unfolds with cars in various stages of repair. The cars, elegantly painted in white and tan, symbolize the diverse range of vehicles entrusted to the capable hands of the repair professionals. One car is elevated on a lift, signaling ongoing maintenance and the dedication to ensuring customer satisfaction. Natural light streams through the windows in the background, illuminating the workspace with a warm glow, adding to the inviting and professional ambiance. This image serves as a reminder of the potential risks and disruptions that can impact a dealership's operations. Business interruption insurance offers crucial coverage, providing financial protection against unforeseen events, such as natural disasters or accidents, that may temporarily halt business operations. With this coverage, dealerships can confidently navigate unexpected challenges and swiftly resume their essential services, safeguarding their livelihood and maintaining customer trust."

Business Interruption Insurance

Business interruption insurance is crucial for dealerships, as it provides coverage for lost income and additional expenses in the event of a covered peril that interrupts your business operations. This coverage helps you recover financially during downtime, allowing you to pay ongoing expenses and mitigate the impact of the interruption on your profitability.
"Welcome to a compelling image on a dealership insurance page, highlighting the importance of business interruption insurance. Within a bustling repair shop, a scene unfolds with cars in various stages of repair. The cars, elegantly painted in white and tan, symbolize the diverse range of vehicles entrusted to the capable hands of the repair professionals. One car is elevated on a lift, signaling ongoing maintenance and the dedication to ensuring customer satisfaction. Natural light streams through the windows in the background, illuminating the workspace with a warm glow, adding to the inviting and professional ambiance. This image serves as a reminder of the potential risks and disruptions that can impact a dealership's operations. Business interruption insurance offers crucial coverage, providing financial protection against unforeseen events, such as natural disasters or accidents, that may temporarily halt business operations. With this coverage, dealerships can confidently navigate unexpected challenges and swiftly resume their essential services, safeguarding their livelihood and maintaining customer trust."
"Welcome to a captivating image on a dealership insurance page, highlighting the importance of commercial property insurance. In front of a car dealer, two vehicles stand parked, showcasing the range of options available to customers. A vibrant red car and a pristine white SUV represent the diversity and quality of the dealership's inventory. The corner of the dealership building is visible, featuring its main doors that welcome visitors and potential buyers. Above, the sky stretches wide and blue, adorned with fluffy clouds, creating a serene and inviting atmosphere. This image serves as a reminder of the value and significance of commercial property insurance, providing coverage for the dealership's physical assets, including the building itself, the vehicles on display, and other essential structures. With comprehensive coverage in place, the dealership can protect its investment and confidently provide a secure and inviting environment for customers."

Commercial Property Insurance

Commercial property insurance covers the physical assets of your dealership, including the building, showroom, offices, equipment, and inventory. It protects against risks such as fire, theft, vandalism, and natural disasters, ensuring that you can repair or replace damaged property and continue your business operations.

Commercial General Liability

Commercial general liability insurance is foundational coverage for dealerships. It protects against third-party claims for bodily injury, property damage, and advertising injuries. Whether it’s a slip-and-fall accident in your showroom or a customer’s vehicle is damaged while on a test drive, commercial general liability insurance provides financial protection and covers legal expenses associated with such claims.
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"Welcome to a compelling image on a dealership insurance page, highlighting the significance of workers' compensation. In a dynamic automotive workshop, a skilled mechanic dressed in a blue jumpsuit stands confidently, holding a crescent wrench. With a firm grip and a determined expression, he represents the dedicated workforce responsible for maintaining and repairing vehicles. In the background, cars sit elevated on lifts, indicating the ongoing work and the bustling nature of the environment. This image serves as a reminder of the potential risks and hazards faced by workers in the automotive industry. Workers' compensation insurance plays a vital role in providing financial protection and support to employees in case of work-related injuries or illnesses. It ensures that workers receive necessary medical care and compensation for lost wages, fostering a safe and supportive workplace environment. With comprehensive workers' compensation coverage, businesses can prioritize the well-being of their employees, demonstrating their commitment to their workforce's safety and security."

Workers Compensation

Workers’ compensation insurance is essential if you have employees working at your dealership. It provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who are injured or become ill while performing job-related duties. Workers’ compensation insurance not only protects your employees but also safeguards your dealership from potential lawsuits related to workplace injuries.
"Welcome to an impactful image on a dealership insurance page, emphasizing the importance of cyber liability insurance. In a modern office setting, a computer takes center stage on a desk. The screen displays lines of code, symbolizing the digital infrastructure of the dealership. Illuminated by a desk lamp, the workspace exudes a professional and focused environment. However, the screen also bears a warning message, displaying the words 'cyber attack data breach protection failed.' This image serves as a reminder of the potential risks and vulnerabilities businesses face in the digital age. Cyber liability insurance plays a crucial role in safeguarding against cyber threats, such as data breaches, hacking attempts, or ransomware attacks. It provides financial protection and support to mitigate the damages and liabilities that may arise from such incidents. With comprehensive cyber liability coverage, businesses can fortify their digital defenses, protect sensitive information, and mitigate the potential financial and reputational impact of cyber attacks, ensuring a secure and resilient dealership operation."

Cyber Liability

In today’s digital age, cyber threats are a significant concern for businesses, including dealerships. Cyber liability insurance helps protect your dealership from the financial and reputational damages resulting from cyberattacks, data breaches, and privacy violations. It covers expenses such as legal fees, customer notifications, credit monitoring services, and potential lawsuits arising from data breaches.
"Welcome to an impactful image on a dealership insurance page, emphasizing the importance of cyber liability insurance. In a modern office setting, a computer takes center stage on a desk. The screen displays lines of code, symbolizing the digital infrastructure of the dealership. Illuminated by a desk lamp, the workspace exudes a professional and focused environment. However, the screen also bears a warning message, displaying the words 'cyber attack data breach protection failed.' This image serves as a reminder of the potential risks and vulnerabilities businesses face in the digital age. Cyber liability insurance plays a crucial role in safeguarding against cyber threats, such as data breaches, hacking attempts, or ransomware attacks. It provides financial protection and support to mitigate the damages and liabilities that may arise from such incidents. With comprehensive cyber liability coverage, businesses can fortify their digital defenses, protect sensitive information, and mitigate the potential financial and reputational impact of cyber attacks, ensuring a secure and resilient dealership operation."
"Welcome to an impactful image on a dealership insurance page, emphasizing the importance of cyber liability insurance. In a modern office setting, a computer takes center stage on a desk. The screen displays lines of code, symbolizing the digital infrastructure of the dealership. Illuminated by a desk lamp, the workspace exudes a professional and focused environment. However, the screen also bears a warning message, displaying the words 'cyber attack data breach protection failed.' This image serves as a reminder of the potential risks and vulnerabilities businesses face in the digital age. Cyber liability insurance plays a crucial role in safeguarding against cyber threats, such as data breaches, hacking attempts, or ransomware attacks. It provides financial protection and support to mitigate the damages and liabilities that may arise from such incidents. With comprehensive cyber liability coverage, businesses can fortify their digital defenses, protect sensitive information, and mitigate the potential financial and reputational impact of cyber attacks, ensuring a secure and resilient dealership operation."

Employment Practices Liability

Employment practices liability insurance (EPLI) provides coverage for claims and lawsuits related to employment practices, including wrongful termination, discrimination, harassment, and other employment-related issues. EPLI helps protect your dealership from the financial consequences of such claims, including legal defense costs and potential settlements or judgments.

False Pretense Coverage

False pretense coverage is particularly relevant for auto dealerships. It offers protection if someone fraudulently obtains a vehicle by using false identification or deception. This coverage helps reimburse the dealership for the loss incurred when a vehicle is obtained through fraudulent means.
"Welcome to a heartwarming image on a dealership insurance page, highlighting the importance of dealers errors and omissions insurance. In a vibrant dealership showroom, a mother and her young daughter stand in front of a sleek black car, captivated by its allure. The mother, dressed in a blue shirt and grey pants, exudes confidence and trustworthiness. Her daughter, adorned with glasses, showcases a sense of curiosity and youthful enthusiasm, wearing a white shirt and grey pants. This image represents the crucial role dealers play in guiding customers through their purchasing decisions. Dealers errors and omissions insurance provides essential coverage, protecting dealerships from potential errors or omissions in their professional services, ensuring client satisfaction, and maintaining trust. With comprehensive coverage in place, dealerships can confidently navigate the complexities of the automotive industry, offering expert guidance and impeccable service to customers, while mitigating the potential risks and liabilities associated with errors or omissions."

Dealers' Errors & Omissions Coverage

Dealer errors and omissions (E&O) coverage, also known as professional liability insurance, protects dealerships against claims of negligence, errors, or omissions in providing professional services. This coverage is particularly important if your dealership offers financing, insurance, or other services to customers, as it helps protect against financial losses resulting from lawsuits or allegations of professional mistakes.
"Welcome to a dynamic image on a dealership insurance page, emphasizing the importance of dealers inland marine insurance. In the bustling environment of a car dealership, a confident blonde woman dressed in business casual attire takes center stage. She holds a red clipboard, symbolizing organization and professionalism. Behind her, two individuals engage in a handshake, representing a successful transaction or partnership. The dealership floor showcases an array of multiple cars, signifying the diverse inventory and the dealership's thriving business. This image captures the essence of dealers inland marine insurance, which provides essential coverage for the transportation and storage of goods, including vehicles, as they move within the dealership's premises or during transit. With comprehensive inland marine insurance, dealerships can safeguard their valuable assets, ensuring protection against potential losses, damages, or theft that may occur during transport or storage. This coverage enables dealerships to focus on delivering exceptional customer service and maintaining a flourishing business while mitigating risks associated with their valuable inventory."

Inland Marine Insurance

Inland marine insurance is essential for dealerships as it provides crucial coverage for property and goods that are in transit or temporarily stored away from the dealership premises. It protects vehicles during transportation to different locations, safeguards off-site inventory from risks like theft or damage, and provides coverage for temporary exhibitions and events. This insurance also extends protection to specialized equipment and offers enhanced coverage beyond general liability policies. By mitigating financial losses and providing peace of mind, inland marine insurance allows dealerships to focus on their core operations without worrying about potential risks associated with transportation or off-site storage. Overall, it is a vital component of comprehensive insurance coverage for dealerships.
"Welcome to a dynamic image on a dealership insurance page, emphasizing the importance of dealers inland marine insurance. In the bustling environment of a car dealership, a confident blonde woman dressed in business casual attire takes center stage. She holds a red clipboard, symbolizing organization and professionalism. Behind her, two individuals engage in a handshake, representing a successful transaction or partnership. The dealership floor showcases an array of multiple cars, signifying the diverse inventory and the dealership's thriving business. This image captures the essence of dealers inland marine insurance, which provides essential coverage for the transportation and storage of goods, including vehicles, as they move within the dealership's premises or during transit. With comprehensive inland marine insurance, dealerships can safeguard their valuable assets, ensuring protection against potential losses, damages, or theft that may occur during transport or storage. This coverage enables dealerships to focus on delivering exceptional customer service and maintaining a flourishing business while mitigating risks associated with their valuable inventory."

Top Ohio Dealer Insurance Agency

When it comes to securing the right dealership insurance coverage in Ohio, it’s crucial to partner with a reputable and experienced insurance agency. Ellerhorst Insurance Agency LLC is a leading insurance agency that specializes in providing comprehensive insurance services for auto, boat, and other dealerships. With their expertise in the dealership insurance industry and their commitment to client satisfaction, they can help tailor an insurance program to fit your specific needs.


By working with Ellerhorst Insurance Agency LLC, you gain access to a wide range of insurance carriers, competitive pricing, and personalized service. Their team of insurance professionals understands the unique risks faced by dealerships and can guide you in selecting the right coverage to protect your business.
By exploring our website, individuals seeking information about car dealers and boat dealership insurance can have their questions answered and gain a better understanding of the insurance solutions available to them. This commitment to educating potential clients demonstrates that we at Ellerhorst Insurance Agency LLC are dedicated to helping dealerships make informed insurance decisions.


It’s no secret that being an auto or boat dealership owner in Ohio comes with plenty of challenges. But perhaps none are as daunting as the potential risks facing these businesses every day. Whether it’s dealing with liability claims or guarding against theft or other losses, not to mention natural disasters or accidents, countless threats can jeopardize a dealership’s success at any time. Fortunately, by investing in comprehensive insurance coverage from trusted providers like Ellerhorst Insurance Agency LLC these businesses can rest easy knowing they’re well protected.
With their commitment to exceptional service, competitive pricing, and personalized insurance solutions, Ellerhorst Insurance Agency LLC is the top choice for Ohio dealership insurance. Protect your dealership and gain peace of mind by partnering with the experts at Ellerhorst Insurance Agency LLC today.

This is an image of the auto-owners insurance logo. Its is a navy blue color. Auto Owners if one of the carriers Ellerhorst Russell Insurance has to offer.

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Frequently Asked Dealership Insurance Questions

Car dealership insurance is a specialized insurance coverage designed to protect car dealerships from various risks and liabilities specific to their industry, including property damage, theft, general liability, and more.
Car dealership insurance is crucial because it helps safeguard your valuable inventory, property, and liability exposures. It provides financial protection against potential losses, ensuring the smooth operation of your business and offering peace of mind.
Car dealership insurance typically covers risks such as theft, property damage, general liability, employee injuries, business interruption, and more. It can also include coverage options specific to the automotive industry, such as garage liability and dealer open lot coverage.
Yes, in addition to car dealership insurance, there are other insurance options available to car dealerships. These include auto insurance, health insurance for employees, flood insurance to protect against water damage, trucking insurance for commercial vehicles, personal insurance for owners, and even specialized coverage like catering insurance for dealerships with catering services or food truck insurance for food truck operations.
Car dealership insurance often includes features such as inventory coverage, building and property coverage, general liability coverage, garage liability coverage, business interruption coverage, and employee coverage. These features can be tailored to meet the specific needs of your dealership.
Car dealerships may require trucking insurance to protect their commercial vehicles used for transportation purposes. Trucking insurance offers coverage for the vehicles, drivers, cargo, and potential liabilities associated with the transportation of cars from one location to another.
Yes, car dealerships have the option to provide health insurance coverage to their employees. Health insurance can be a valuable benefit for employees and can help attract and retain talented individuals in the competitive automotive industry.
Flood insurance is important for car dealerships, especially if they are located in flood-prone areas. It provides coverage for damages caused by flooding, including water damage to vehicles, buildings, and inventory.
Personal insurance is important for car dealership owners to protect their personal assets and liabilities. It can include coverage options such as homeowners insurance, personal liability insurance, and umbrella insurance to provide additional protection beyond what is covered by business insurance.
If your car dealership offers catering services or operates a food truck as part of your business, catering insurance or food truck insurance is essential. It provides coverage for the specific risks associated with food operations, such as foodborne illnesses, kitchen accidents, and liability claims related to the food you serve.

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