Insurance for Trailer Dealers
Trailer dealers face many unique challenges, between the day-to-day tasks, workplace safety, meeting customer demands and managing inventory, running a dealership can be demanding. We can ease the burden by helping to navigate the ever-changing requirements of insurance. AutoRisk can scale customizable property and liability insurance solutions to handle your unique needs. We offer the right products and services to help protect your business.
Frequently Asked Questions about Trailer 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 trailer dealership need specialized insurance?
Trailer dealers face risks beyond a typical retail business — including damage to high-value inventory, theft from outdoor lots, liability during test tows, and exposure from service or repair operations. Specialized insurance protects both your business and your customers.
What types of coverage does a trailer dealer typically need?
Dealers Open Lot / Inventory Insurance – Protects trailers on your lot or in your showroom against fire, theft, vandalism, or weather damage.
Garage Liability – Covers bodily injury and property damage from your operations, such as test tows or customer injuries on your premises.
Garage-keepers Insurance – Protects customer-owned trailers while in your care for service or storage.
Commercial Property Insurance – Covers your buildings, offices, tools, and parts inventory.
Commercial Auto & On-Hook Coverage – Protects vehicles and trailers in transit.
Workers’ Compensation – Covers employee injuries.
Umbrella/Excess Liability – Adds higher protection for large claims.
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.
What risks are unique to trailer dealerships?
Common exposures include:
Outdoor inventory subject to theft and weather
Customer injuries on large display lots
Liability from improper hitching or towing demonstrations
Damage to customer trailers during service
Transporting trailers to trade shows or events
What is Dealers Open Lot coverage?
Dealers Open Lot (or Dealers Physical Damage) covers the inventory on your lot—new and used—for events like hail, theft, vandalism, or collision. It’s essential coverage for protecting your most valuable assets.
What’s the difference between Garage Liability and Garage-keepers Insurance?
Garage Liability covers liability for accidents or injuries from your business operations.
Garage-keepers Insurance protects customer-owned trailers left with you for service, repair, or storage.
What factors affect the cost of trailer dealer insurance?
Premiums depend on:
Value and size of your inventory
Whether trailers are stored indoors or outdoors
Security measures (fencing, cameras, alarms)
Your location and weather/crime risk
Services offered (sales only vs. sales + repair)
Claims history and loss prevention practices
What do I need to know about OSHA regulations?
See our PDF on OSHA – Click Here
Required Insurance
for Trailer Dealers:
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
