Garage Liability
Combined GL and auto liability form covering customer injuries on your lot, test-drive claims, and vehicle delivery liability. Standard GL excludes auto-related operations.
What Used Car Dealer insurance covers
The full used car dealer insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 8
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Dealer Open Lot (Inventory Coverage)
Covers your vehicle inventory against hail, fire, flood, theft, and vandalism. Floor plan lenders require this policy and must be listed as loss payee.
Surety Bond (Dealer Bond)
State-required bond guaranteeing compliance with dealer licensing regulations. Bond amounts vary by state, and the premium is based on your personal credit.
Read the Surety Bonds guideRecommended
Common across most operations
Garagekeepers Legal Liability
Covers damage to customer vehicles in your care, including trade-ins and vehicles held for reconditioning.
Read the Garagekeepers Liability guideDealer Errors and Omissions (E&O)
Covers defense costs and damages from title errors, prior-damage disclosure failures, and odometer statement mistakes on used vehicles.
Read the Professional Liability guideCommercial Property
Protects your office, sales building, reconditioning bay, signage, and business equipment against fire, theft, and storm damage.
Read the Commercial Property guideSituational
Depends on your specific operation
Crime and Employee Dishonesty
Covers financial losses from employee theft, forgery, and fraudulent schemes involving cash, titles, or customer payments.
Read the Crime & Fidelity guideCyber Liability
Funds breach response and customer notification when financial data from credit applications or BHPH records 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 used car 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.