Insurance For Independent Auto Dealerships
Protect your inventory, property, employees, and customers with insurance built for the way independent dealerships operate. Bay Road helps you compare coverage from trusted carriers so you can focus on selling vehicles and growing your business.
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Insurance Solutions For Independent Auto Dealerships
No two dealerships operate exactly alike. Your insurance needs will depend on your inventory, property, employees, test-drive procedures, financing activities, and other daily operations.
Whether you run a small used-car lot or operate multiple dealership locations, Bay Road can help you build coverage around your business. We work with dealerships such as:
Independent Auto Dealerships
Used-Car Dealerships
Pre-Owned Luxury Dealerships
Buy Here, Pay Here Dealerships
Wholesale Auto Dealers
Online Auto Dealers
Motorcycle Dealerships
RV Dealerships
Specialty Vehicle Dealerships
Dealerships With Service Departments
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Coverage Built Around Your Dealership
Independent dealerships face risks involving vehicle inventory, customer test drives, employees, property, and business operations. Our team can help you assemble coverage that fits your dealership.
Garage Liability Insurance
Helps protect against certain bodily injury and property damage claims arising from dealership and garage operations.
Dealers Open Lot Coverage
Helps protect vehicle inventory against covered losses such as theft, vandalism, hail, fire, and severe weather.
Garagekeepers Insurance
Helps cover customers’ vehicles while they are in your care, custody, or control for service, repair, storage, or another covered purpose.
Commercial Property Insurance
Protection for dealership buildings, offices, signs, furniture, equipment, and other business property.
Workers’ Compensation Insurance
Coverage for eligible medical expenses and lost wages when an employee experiences a work-related injury or illness.
Commercial Auto Insurance
Protection for vehicles owned or used by your dealership for qualifying business purposes.
Business Interruption Coverage
May help replace qualifying income and cover certain ongoing expenses if a covered loss temporarily interrupts dealership operations.
Employment Practices Liability Insurance
Helps protect against certain employment-related claims involving discrimination, harassment, retaliation, or wrongful termination.
Cyber Liability Insurance
Helps address certain costs associated with data breaches, cyberattacks, and the exposure of sensitive customer information.
Dealer Bonds
Bond solutions designed to help dealerships meet applicable licensing and regulatory requirements.
Why Shop With Us
Unmatched Choice
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Independent Auto Dealership Insurance FAQs
What insurance does an independent auto dealership need?
Coverage needs vary, but dealerships commonly consider garage liability, dealers open lot, garagekeepers, commercial property, workers’ compensation, commercial auto, cyber liability, and business interruption coverage. Dealer bonds may also be required.
What is dealers open lot coverage?
Dealers open lot coverage helps protect vehicles held for sale against specified causes of loss. Covered events, deductibles, limits, and inventory-reporting requirements vary by policy.
What is the difference between garage liability and garagekeepers insurance?
Garage liability generally addresses certain claims arising from dealership or garage operations. Garagekeepers insurance helps protect customers’ vehicles while they are in the dealership’s care, custody, or control.
Are customer test drives covered?
Coverage for customer test drives depends on the policy, dealership procedures, driver eligibility requirements, and applicable exclusions. Your agent can help you review how your policy addresses test drives.
How much does dealership insurance cost?
Pricing may depend on inventory value, location, annual sales, operations, property, number of employees, test-drive procedures, claims history, security measures, and selected coverage.
Can coverage change as my dealership’s inventory grows?
Yes. Dealerships should regularly update their reported inventory values, locations, vehicles, drivers, and operations. Keeping this information current can help avoid coverage gaps.
Local Insurance For Independent Auto Dealerships
Bay Road works with independent auto dealerships throughout the communities we serve.
Independent Auto Dealership Insurance Boca Raton
Independent Auto Dealership Insurance Marathon
Independent Auto Dealership Insurance Plantation
Independent Auto Dealership Insurance Key Largo
Independent Auto Dealership Insurance Big Pine Key
Independent Auto Dealership Insurance Deerfield Beach
Independent Auto Dealership Insurance Port St. Lucie
Ready To Protect Your Dealership?
Whether you’re opening a dealership, expanding your inventory, or reviewing your current insurance program, Bay Road is here to help. Compare coverage from trusted carriers and work with local insurance professionals who understand the risks independent dealerships face.
