Specialized Insurance Programs Built Exclusively for Independent & Used Car Dealers
Protect your used car dealership, inventory, and cash flow with insurance programs designed specifically for high-end independent auto dealers and used car lots. We partner with A-rated carriers that understand the real-world risks of selling pre-owned vehicles.
Insurance Built for Used Car Dealers — Not Franchise Stores
Used car dealers face a different risk profile than new car franchises. Higher inventory turnover, older vehicles, tighter margins, lender requirements, and increased customer interaction all require dealer-specific insurance coverage — not generic business policies.
Our used car dealer insurance programs are designed to protect:
- Pre-owned vehicle inventory
- Independent sales operations
- Owners, managers, and employees
- Customer vehicles during test drives and service
Core Used Car Dealer Insurance Coverages
Garage Liability Insurance
Provides protection against bodily injury and property damage claims arising from dealership operations, customer test drives, and lot activity.
Dealer Open Lot (DOL) Insurance
Covers used vehicle inventory against theft, vandalism, fire, hail, flood, and collision — including vehicles on the lot and in transit.
Garagekeepers Legal Liability
Coverage for customer-owned vehicles while in your care, custody, or control for detailing, service, or minor repairs.
Commercial Property Insurance
Protects dealership offices, buildings, signage, equipment, and business contents from covered losses.
Workers’ Compensation Insurance
Required coverage for dealership employees including sales staff, lot attendants, mechanics, and office personnel.
Dealers Errors & Omissions (E&O)
Critical protection for paperwork errors, title issues, disclosures, and F&I-related claims — a common exposure for used car dealers.
Commercial Auto Insurance
Coverage for dealer plates, service vehicles, parts runners, and courtesy vehicles.
Cyber Liability Insurance
Protects your dealership from data breaches, ransomware, and identity theft, especially important for dealers handling customer financing information.
Employment Practices Liability (EPLI)
Coverage for claims related to wrongful termination, discrimination, and harassment.
Programs for All Types of Used Car Dealers
We specialize in insurance for:
- Independent used car dealerships
- Buy Here Pay Here (BHPH) dealers
- Subprime and special finance dealers
- High-volume used car lots
- Small and mid-sized dealer groups
- Multi-location used car operations
Whether you sell 5 cars a month or 200+, we build insurance programs that scale with your operation.
Why Independent Dealers Choose Us
Access to A-rated dealer insurance carriers
Underwriters experienced with used car operations
Competitive rates for independent dealers
Coverage that meets lender, floor plan, and DMV requirements
Fast turnaround on quotes and renewals
Claims advocacy when you need it most
We understand dealer plates, lot exposures, higher-mileage vehicles, and F&I risk — because we insure used car dealers every day.
Control Risk. Reduce Claims. Protect Profit.
Our approach goes beyond selling a policy. We help used car dealers:
- Reduce loss frequency and insurance costs
- Identify coverage gaps before claims happen
- Stay compliant with state and lender requirements
- Prepare for audits and renewals
We act as a long-term risk management partner for your used car dealership.
Get a Free Used Car Dealer Insurance Quote
Looking for used car dealer insurance, garage liability, or dealer open lot coverage?
Speak with a used car dealer insurance specialist today.
Request your free insurance review and quote now.