You make one call. We make the rest.
A dealer lot lives on inventory, test drives, and a floor plan. We cover all three, and we place the garage liability and dealer bond together, so your DMV license and your lender are both satisfied in one pass.
Tell us about your business.
What is Auto Sales insurance?
The dealer's package: garage liability for operations and test drives, dealer open lot for the inventory itself, the surety bond your DMV license requires, and property coverage for the office and shop. If you sell vehicles, this is the program your license, your lender, and your lot all depend on.
The test drive is the exposure.
A customer behind the wheel of your inventory is the claim that surprises new dealers most. Garage liability picks it up when it is written correctly, and we write the limits to match your lot, not a generic class code.
Garage liability
Operations, customers on the lot, and test drives, the core of every dealer program.
Dealer open lot
Your inventory against weather, theft, and damage, valued the way lenders expect.
Dealer bonds & DMV compliance
The surety bond your license requires, placed alongside the policy so nothing lapses out of sync.
Premises & property
The office, the shop, the signage, and everything else that is not for sale.
Who needs Auto Sales insurance?
- Independent used car dealers running retail lots
- Franchise dealers with manufacturer requirements
- Wholesale dealers and auction buyers moving inventory fast
- Rebuilders and exporters with specialty exposure
One application. Every market. The right program.
We know dealer operations.
Lot size, inventory turn, service bays, wholesale activity: we ask the right questions up front.
Floor-plan lender ready.
Coverage and certificates written to your lender's requirements, not negotiated after the fact.
Bond and policy in one pass.
One application covers both, and renewals stay synchronized.
Priced to your lot.
Options from every market that writes dealers, so the premium reflects your operation.
Frequently asked questions
What insurance does a car dealer need?
Garage liability and a dealer bond at minimum for most state licenses, plus dealer open lot if you carry inventory you cannot afford to lose. We will map your state's exact requirements to your operation.
What is the difference between the dealer bond and insurance?
The bond protects your customers and the state; the insurance protects you. Licenses require the first, lenders and common sense require the second. We place both together.
Are test drives covered?
Under a correctly written garage liability policy, yes, including customers driving alone where your state allows it. This is the first thing we check on any dealer policy we take over.
What does it cost?
Inventory value, lot location, and staff size drive it. One application, every dealer market, real options.