Auto and Car Dealer Insurance

Specialty insurance solutions tailored to your unique needs.
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Drive your auto business to success with customized liability insurance solutions.

Protect your inventory and your business with customized insurance solutions that are designed to meet the unique needs of your auto dealership, ensuring true peace of mind.

The Importance of Auto and Car Dealer Insurance

Auto and car dealer insurance is essential for any auto dealership to protect their investment, assets, and reputation. It provides comprehensive coverage and financial protection against risks like theft, accidents, and property damage. With the car dealer insurance solutions offered by XINSURANCE, you can have true peace of mind, knowing that you are prepared to handle any unforeseen circumstances that may arise in your business. It also instills customer confidence, showing your commitment to providing a reliable and trustworthy experience. Working with insurance professionals like XINSURANCE allows you to customize a car dealer insurance plan that suits your dealership’s specific needs and ensures your long-term success.

If you already have an insurance policy for your dealership, we can review your policy and identify gaps and exclusions that are leaving you exposed. We can then offer a customized insurance solution that fills the gaps and gives you true peace of mind. The bottom line is that XINSURANCE is here to help make sure you’re properly covered.

Who is Auto & Car Dealer Insurance for?

  • New Car Dealerships
  • Used Car Dealerships
  • Truck Dealerships
  • Commercial Vehicle Dealerships
  • Exotic/Luxury Car Dealerships
  • Trailer Dealerships
  • And More!
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Auto Dealer Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Dealers Open Lot (DOL)

Covers physical damage to inventory held for sale. Covers named perils and collision only but we can add extreme weather coverage. This coverage like the GKLL extends to collision coverage while being driven if the vehicle is being operated under a scheduled dealer plate.

Drive Away Coverage

Also referred to as Drive Other Car (DOC) coverage, Drive Away is auto liability coverage for vehicles not owned by the insured and does not include collision. Physical damage, including collision, is provided under OTRPD (over-the-road physical damage).

Garage Keepers Direct Primary (GKDP)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control – without regard to being legally liable.

Garage Keepers Legal Liability (GKLL)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.

Over The Road Physical Damage (OTRPD)

Physical damage to vehicles not owned by the insured that are being driven by a covered driver of the insured.

Hired & Non-Owned Auto*

Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.

*Available in most states

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Insurance for Auto and Car Dealerships

What is car dealer insurance?

Auto and car dealer insurance is specialized business insurance designed to provide comprehensive coverage for car dealerships. It offers protection against risks and potential lawsuits specific to owning and operating a dealership. This insurance helps car dealers manage their unique exposures, including accidents, theft, property damage, and liability claims. With the right insurance coverage, car dealerships can safeguard their assets and liabilities, ensuring financial protection and peace of mind.

How much does auto dealer insurance cost?

The cost of auto or car dealer insurance will depend on many factors, including your loss history, the size of your dealership, the type of inventory you have and its value, your location, the coverage and deductibles you choose, your loss history, and more. It’s best to contact XINSURANCE to go over your business details so we can provide a more accurate cost for you.

What types of risks can be covered by auto and car dealer insurance?

Auto and car dealer insurance can provide coverage for a variety of risks faced by car dealerships. Some of the risks that can be covered include – but are not limited to – theft of vehicles or dealership property, damage to dealership inventory, liability claims resulting from accidents during test drives or on dealership premises, and property damage to showrooms or service areas.

Do you cover other types of vehicles of dealerships?

Yes, XINSURANCE provides insurance solutions for many types of dealers!

We provide recreational vehicle dealer insurance solutions for RV dealerships and we also provide customized insurance solutions for boat and personal watercraft dealers, motorcycle dealers, and ATV/UTV dealers across the country.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service