Who needs auto dealer insurance?

If your business is a dealer of motor vehicles or trailers, then your business fits the profile of a business needing Auto Dealer’s Insurance.
States, often have statutes or laws that state if you have a customer’s vehicle in your care, custody or control (such as a vehicle held on consignment) then you are legally liable for any damage caused to it and caused by it. In order to provide protection to their business and themselves as they comply with the state law, they purchase Auto Dealer’s Insurance

  • Franchised and independent private passenger auto dealers
  • Franchised and independent truck dealers
  • Franchised and independent trailer dealers (both residential and commercial)
  • Franchised and independent motorcycle dealers
  • Franchised and independent recreational vehicle dealers
  • Franchised and independent equipment and implement dealers
  • Franchised and independent dealers of self-propelled motor vehicles


Auto Dealers insurance provides just one set of coverages that are needed by businesses that conduct auto dealer operations. Other common possible coverage’s needed by these businesses include:

  • Building Coverage
  • Business Personal Property Coverage
  • Loss of Business Income
  • Employee Tools
  • Employment Practices Liability Coverage
  • Employee Benefits Liability Coverage
  • Completed Operations Coverage
  • Cyber Coverage
  • Umbrella Liability Coverage
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