Garage Liability
Combined GL and auto liability form covering customer injuries, property damage, and test-drive claims. Required because standard GL excludes auto-related operations.
What Auto Dealer insurance covers
The full auto dealer insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Dealer Open Lot (Physical Damage)
Comprehensive and collision coverage for your vehicle inventory on the lot, in transit, or out on test drives. Covers hail, fire, theft, vandalism, and flood.
Dealer Surety Bond
State-required bond guaranteeing compliance with licensing regulations, tax remittance, and title disclosure obligations.
Read the Surety Bonds guideRecommended
Common across most operations
Garagekeepers Legal Liability
Covers damage to customer vehicles in your service bay or trade-in staging area. Direct primary form pays regardless of fault.
Read the Garagekeepers Liability guideWorkers Compensation
Medical costs and lost wages for employee injuries. Dealership payroll splits across NCCI codes 8748 (salespersons), 8391 (technicians and other staff), and 8810 (clerical) by job function.
Read the Workers Compensation guideUmbrella / Excess Liability
Extends limits above garage liability, commercial auto, and employers liability. Often required by floor plan lenders and franchise agreements.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
F&I Errors and Omissions
Covers defense costs and damages from financing paperwork errors, disclosure failures, and TILA claims. Standard garage liability excludes professional services claims.
Read the Professional Liability guideCommercial Property
Protects your showroom, service bays, parts inventory, lifts, and office contents against fire, theft, and storm damage.
Read the Commercial Property guideCyber Liability
Funds breach response, customer notification, and regulatory defense when financial data in your DMS is compromised.
Read the Cyber Liability guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your auto dealer insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.