Operations this guide may include
- New- and used-vehicle sales
- Independent used-car dealerships
- Wholesale and auto-auction activity
- Dealer service, detailing, and vehicle storage
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- How many vehicles and dealer plates are in use?
- Who may drive inventory vehicles and for what purpose?
- Are repair, body, towing, or rental operations included?
- What are the maximum inventory value and catastrophe exposure at each location?
Coverage topics to discuss
Garage liability
Liability considerations arising from covered dealership and garage operations.
Dealers open lot
Physical-damage considerations for vehicle inventory held for sale.
Property and crime
Buildings, contents, money, employee dishonesty, and related exposures.
Cyber liability
Customer data, payment activity, systems, and privacy-event scenarios.
Information worth preparing
- Dealer license and ownership experience
- Inventory counts and maximum values by location
- Driver and dealer-plate controls
- Sales, payroll, service revenue, and loss history
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.