Car Dealership Insurance
Car dealership insurance covers the sales, service, and inventory sides of a California dealership, which standard business policies are not built to handle. It typically includes garage liability, garagekeepers coverage for customer vehicles, dealers open lot coverage for inventory, general liability, commercial property, and workers’ compensation, alongside the separate DMV dealer bond required for licensing.
What does it cover?
- Garage liability, the core coverage for dealership operations and the vehicles you handle.
- Garagekeepers coverage, for customer vehicles in your care, custody, and control.
- Dealers open lot coverage, for your inventory against covered losses.
- General liability, for the showroom and premises.
- Commercial property, for your building, equipment, and contents.
- Workers’ compensation, required in California once you have any employees.
Car Dealership Insurance Features
California dealers are licensed through the DMV and generally must carry a dealer bond as part of licensing, which is separate from your liability and property insurance but part of the same compliance picture.
How we help: we help you line up garage, garagekeepers, and open lot coverage alongside the property and liability protection your operation needs, and we keep the DMV bond context in view.
