Insurance for Motorcycle Dealers
AutoRisk understand that motorcycle dealerships are a much different operation than an auto dealership. Our coverage plans reflect that industry knowledge and we know how to protect you from the unique insurance exposures you encounter. We can help protect you from common industry liabilities form repair to the storage of hazardous materials.
Frequently Asked Questions about Motorcycle Dealer’s Coverage:
States AutoRisk Provides Insurance Coverage:
Colorado – California – Texas – Wyoming – Arizona – New Mexico – Utah – Kansas – Missouri – Oklahoma – Arkansas – Idaho – Iowa – Indiana – Nebraska – Nevada – North Dakota – South Dakota – Montana
Why does a motorcycle dealership need specialized insurance?
Motorcycle dealers have unique risk exposures: inventory (new and used bikes), test rides, repair work, parts & accessories, liability from customers and employees, on-site storage, and more. Standard commercial policies often don’t cover all these exposures.
Can I bundle all of my dealership insurance policies into one?
Yes. At AutoRisk we specialize in Dealer Package Policies that consolidate all your necessary coverages under one streamlined program. This makes it easier to manage renewals, billing, and claims—and may reduce your total premium.
How does Garagekeepers Insurance protect my business?
Garagekeepers Insurance protects customers’ vehicles that are left in your care for service, storage, or safekeeping. If a vehicle is damaged by fire, theft, vandalism, or collision while on your lot, this policy helps cover the cost.
What is Dealers Open Lot coverage?
Dealers Open Lot (or Dealers Physical Damage) covers the inventory on your lot—new and used vehicles—for events like hail, theft, vandalism, or collision. It’s essential coverage for protecting your most valuable assets.
What is Garage Liability Insurance and why is it important?
Garage Liability Insurance covers bodily injury or property damage that may occur as a result of your dealership operations—whether from test drives, customer slip-and-falls, service or repair operations or accidents involving employee-driven vehicles, it’s a foundational policy for any auto dealership.
Do I need commercial auto coverage for my dealership?
Yes, if you use vehicles or trailers for business purposes (e.g. transporting motorcycles, parts delivery, service calls) you’ll want commercial auto coverage — including liability, collision, comprehensive, and possibly hired & non-owned auto coverage.
Are my employees covered when test-driving or transporting vehicles?
Yes, when you have Garage Liability and Commercial Auto coverage in place, your employees are typically covered when driving dealership vehicles for business purposes. We ensure your policy language includes this crucial protection.
Does insurance cover vehicles in-transit between dealerships or auctions?
It can, but only with the proper endorsements. If your business frequently moves inventory between locations, we can include transit coverage or inland marine options that protect your vehicles while in motion.
What factors affect my dealership insurance premiums?
Premiums are influenced by:
Lot location and size
Security measures (fencing, cameras, alarms)
Inventory value
Loss history
Employee driving records
Number of locations
AutoRisk works with top-rated carriers to find the most competitive rates for your risk profile.
What do I need to know about OSHA regulations?
Required Insurance
for Motorcycle Dealerships:
Dealers Open Lot Insurance
Errors and Omissions
Garagekeepers
Garage Liability
Commercial Auto
Property
Workers’ Compensation
Recommended Insurance:
Pollution Liability
Cyber Liability
Rental Insurance
Excess Liability
We understand that protecting your business requires more than an insurance policy. Our specialization allows us to create safety and compliance programs which are relevant to any business in the automotive industry.
Business needs and suitability vary greatly, so as you explore special coverages needed for your business it will be important to work with a professional experienced with knowledge of your industry. Our experience working with businesses that require coverage in the automotive industry are unmatched.
Call for a Quote – (720) 445-6959
Call for a Quote
(720) 445-6959
