Insurance for Auto Dealerships Big & Small
Whether you’re selling used cars or managing a multi-location franchise, dealership insurance protects your inventory, buildings, staff, and liability. We help dealerships in Southern Illinois get coverage that fits their scale and risk. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Dealership Insurance Cover?
Dealership insurance includes garage liability, dealer’s open lot (DOL), commercial property, business auto, and employee-related protections. We'll walk you through each piece. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Dealers Need Comprehensive Coverage
A lot can go wrong—test drives, weather damage, slip-and-fall claims, even employee issues. Our policies are built to protect your entire operation.
Coverage Essentials
Garage Liability
Covers bodily injury or property damage from your operations, including test drives.
Dealer’s Open Lot
Protects inventory vehicles against hail, theft, vandalism, or accidents.
Employee Practices Liability
Covers claims related to wrongful termination, discrimination, or harassment.
Dealership Insurance FAQs
Is garage liability the same as garagekeepers?
Not exactly. Garage liability covers business liability. Garagekeepers covers damage to customer vehicles in your care.
Can I insure vehicles in transit between lots?
Yes. We can add coverage for inventory transport and temporary locations.
What if I rent my dealership property?
We’ll help you protect your business assets, even if you lease the building or lot.
Do I need cyber liability too?
If you store customer data or use digital financing, yes—it’s a smart add-on.