🚗 Auto Dealers Insurance in Massachusetts

Operating an auto dealership involves more than managing vehicles on a lot. Auto dealers insurance is designed to help protect dealership owners from a range of risks — including property damage, liability exposures, and issues that can arise during vehicle sales transactions.

Whether you sell new or used vehicles, the right coverage can play an important role in protecting your inventory and your business operations.

What Is Auto Dealers Insurance?

Auto dealers insurance is a form of commercial insurance designed specifically for vehicle dealerships. It addresses risks that are unique to buying, selling, displaying, and servicing vehicles.

In addition to protecting physical inventory, these policies may also address certain liability exposures related to customer interactions and sales activities.

Who Should Consider Auto Dealers Insurance?

This type of coverage may be appropriate for:

• New car dealerships
• Used car dealerships
• Independent auto dealers

Coverage needs vary depending on dealership size, inventory value, and business operations.

What a Typical Auto Dealers Insurance Policy May Include

There is no one-size-fits-all policy, but auto dealers insurance may include coverage such as:

• Dealer inventory coverage for theft or damage to vehicles on the lot or in storage
• Garage liability insurance for bodily injury or property damage related to dealership operations
• Errors and omissions coverage for certain sales-related claims, such as title or disclosure issues
• Personal injury coverage for claims such as libel or slander
• Optional coverage based on dealership operations and insurer offerings

Coverage availability, limits, and terms vary by insurer and policy.

Inventory Values and Coverage Reviews

Inventory levels can fluctuate based on market conditions and availability. Reviewing coverage limits periodically can help ensure that protection aligns with current inventory values.

Adjustments may help avoid being underinsured or carrying unnecessary limits.

Auto Dealers Insurance Guidance from Risman Insurance Agencies

Risman Insurance Agencies works with a range of insurance carriers to help Massachusetts auto dealers explore coverage options that fit their dealership operations and risk profile.

We’re here to explain coverage choices, review policy structures, and assist with ongoing insurance needs.

Ready to Talk About Auto Dealers Insurance?

If you own or operate an auto dealership in Massachusetts and would like help reviewing insurance options, our team is here to help.

👉 Request an Auto Dealers Insurance Quote
👉 Contact Our Team

Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.