Auto Dealership Insurance

Auto Dealership Insurance

Auto Dealerships can vary significantly in the type and scope autos sold. These variations make it especially important to review your coverages to assure your business is adequately protected.

Auto Dealership Insurance – Commercial Auto

Every Auto Dealership should be taking a long hard look at their operations to determine what kind of Auto Insurance they should carry. There are several different
coverages available, including a commercial auto policy, hired and non-hired auto liability, etc. For example, if your business has a designated business automobile for shuttles or other uses, you need to carry a commercial auto policy to cover this vehicle. If you have clients that are test driving vehicles, it is important that these vehicles have coverage as well.

Auto Dealership Insurance – General Liability & Business Personal Property

General Liability is easy to obtain and often times affordable for Auto Dealership. This simple, affordable coverage is extremely important, especially for businesses
that have a retail establishment with customers on location. As an alternative to a standalone General Liability policy, you can often purchase a Business Owners Policy, which includes General Liability and Business Personal Property in a single, packaged policy. These Business Owners Policies often include additional coverages not found on a standalone General Liability policy.

Auto Dealership Insurance – Open Lot & Garagekeepers Coverage

Operating an Auto Dealership often times means storing vehicles overnight. These vehicles may belong to the dealership, or to the customer. Regardless, these vehicles should be protected against vandalism, accidents, or other liability exposures. There are coverages available, often times via endorsement on your General Liability
policy that can protect the vehicles against these potential losses. When determining the limits of coverage, make sure to take the necessary time to calculate the value of the vehicles, individually and as a group to make sure you have ample coverage.

If you would like to discuss Insurance for your Auto Dealership, give us a call at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.