Looking for Car Dealers Insurance?
Protect your dealership with garage liability insurance—the coverage required for your dealer plates. From test drive accidents to lot damage, Harper Insure provides the specialized protection car dealers need to stay licensed and protected.
What is Car Dealers Insurance?
Garage liability insurance covers bodily injury and property damage arising from your dealership operations. It protects you when customers test drive vehicles, when cars move on and off your lot, and when accidents happen on your premises. Most states require proof of garage liability before issuing dealer plates or renewing your dealer license.
Garage Liability
Covers third-party bodily injury and property damage from your dealership operations. Required by most states for dealer plates.
Garagekeepers Coverage
Protects customers' vehicles in your care—trade-ins, stored vehicles, and cars in your service bay—from fire, theft, vandalism, or collision.
Dealers Open Lot Coverage
Comprehensive and collision coverage for your entire inventory against theft, vandalism, hail, fire, and collision damage.
On-Hook Coverage
Covers vehicles while being transported on your tow truck or flatbed between lots or during pickup.
Who Needs Car Dealers Insurance?
- Used Car Dealerships : Independent dealers needing garage liability for dealer plates
- New Car Franchise Dealers : Franchise dealerships with larger inventories and daily test drives
- Wholesale Dealers : Dealers buying and selling at auction
- Buy Here Pay Here Lots : In-house financing dealerships
- RV and Specialty Vehicle Dealers : Dealers selling recreational vehicles or motorcycles
Why Harper?
Dealer Licensing Expertise
We know exactly what your state DMV requires. Get certificates formatted correctly so your license application isn't delayed.
Same-Day Certificates
Most clients receive proof of insurance the same day they purchase their policy.
Coverage That Fits Your Operation
Whether you're running a small independent lot or a multi-location dealership, your premium is based on your actual inventory and risk profile.
Fast Claims Resolution
Test drive accidents and lot damage get resolved quickly so you can get back to selling cars.
Frequently Asked Questions
Do I need garage liability to get my dealer plates?
Yes. Most states require proof of garage liability insurance before the DMV will issue or renew your dealer plates.
What happens if a customer crashes during a test drive?
Your garage liability covers third-party damages from the accident. Damage to the vehicle itself falls under your dealers open lot coverage.
How fast can I get proof of insurance for my license application?
Most clients receive their certificate the same day they purchase their policy, formatted exactly as your state DMV requires.