Dealership Insurance

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Your customers come to you for a quality car and a fair price. You have sales to make, employees to manage, and big investments parked in your lot. That is why you need the right insurance to protect your dealership.

Insurance “Need to Know’s”

Auto Dealerships have unique needs. You need to protect your office building, your employees, and the vehicles you sell. Here are some common coverages that may apply to your dealership business.

Commercial Property


Commercial Property Coverage protects both real and personal property from any covered losses. This can include property of others not owned by the business, but in the care of the business. In general, this coverage is for losses that occur on the insured’s premises. There are extensions and optional coverages that can be added to Commercial Property Coverage for individual needs. It is important to let us know about your business personal property and your operations so that we can recommend the best coverage for your business.

Garage and Garage Keeper’s Liability


If you sell or trade vehicles or store customer’s vehicles on your property, damages resulting from these operations may not be covered by Commercial General Liability, Commercial Auto, or Commercial Property Insurance. Garage Liability and Garage Keepers liability coverage are generally recommended to dealerships, repair shops, service stations, etc. where vehicles for sale or customer vehicles are stored.

General Liability


Commercial General Liability Insurance is coverage for claims of liability you may incur to others. This can include bodily injury or property damage, personal and advertising injury, and the costs of legal defense of such claims. There are extensions and optional coverages available to add on to the Commercial General Liability Policy to tailor it to a specific business’s needs.

Worker’s Compensation


Should an employee be injured on a job, while in the course of employment, Worker’s Compensation Insurance helps cover the costs of medical procedures, lost wages, death benefits, and other expenses. It also protects employers, as it is usually an injured employee’s “sole remedy” for losses from an on the job injury.

At Access First Insurance, we understand the unique needs of protecting your dealership. We can discuss the details of your dealership business to tailor an insurance policy specific to you.

Call us today for your free, no obligation quote and see how much money we can save you. Please contact us right away.