Franchised Auto Dealerships
Whatever OEM you represent, we provide specialized expertise to help your franchised dealership thrive.
Insurance customized for your industry.
- Specialized expertise in all kinds of vehicle dealerships.
- Experience working with rental, leasing, manufacturing and service operations.
- Solutions for your unique challenges and opportunities.
- Customized and comprehensive insurance packages.
Expert insurance coverage for:
- Single-brand dealers
- 4S dealerships
- Multi-brand dealers
- Large dealer groups
We know the special risks you face as a franchised dealer.
As industry leaders, we partner with the top insurers to bring you the broadest appetite and most competitive terms in the market.
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Manage risk, so you can focus on your operations.
Effectively track your customers’ insurance within your lease portfolio and understand how the highly specialized contingent coverage available in the marketplace could either protect you or leave you exposed.
Comprehensive risk management protects your bottom line.
This includes an in-house loss control team that specializes in your industry, identifying risk factors and developing practical solutions.
We are garage liability specialists.
Because not all garage liability policies are created equal—and most agents can’t spot the critical differences—our team conducts a comprehensive audit of your existing program. We provide a detailed side-by-side comparison of coverages, limits, and exclusions, highlighting hidden gaps or overlaps in your current policies while recommending the optimal coverage that matches your risk profile and budget.
Protect your team, with Employee Benefits and more.
We also provide comprehensive Employee Benefits, Payroll and PEO services to help you identify and negotiate with the right providers.
The coverage you need to protect and grow your business.
Garage Liability
Our Garage Coverage Form bundles General Liability and Automobile Liability into a single, streamlined policy—so you eliminate coverage gaps and conflicting terms. All backed by experts who know the dealer and garage business inside and out.
Floor Plan
Coverage for physical damage to vehicles owned, and held for sale, by your dealership.
Commercial Auto
Coverage that protects vehicles, including fleets, used by your business.
Property Coverage
Coverage for damage or loss to your building, equipment, inventory, business contents and loss of income.
Liability Deductibles
Ways to reduce your out-of-pocket expenses for claims.
Daily Rental
Add Daily Rentals to your dealership operations, including Rental Fleet Liability and Physical Damage, and we’ll help you manage that process with our training program.
Captive Solutions
When you are ready to take that step, we will guide you through the process and beyond.
Finance and Insurance (F&I)
We're actively exploring creative, product-driven ways to bring innovation and differentiation to the space.
Dealer Bonds
Surety bonds (required by many states) that protects your customers from damages due to fraudulent or unethical practices or compliance issues.
Management Liability
Cover the risks that your organization faces in the course of doing business. The right coverage can also help give your business the claim resources to respond to an incident.
Pollutant Cleanup Liability
Covers cleanup costs, fines, and third-party claims related to pollution caused by your business or operations.
Ready to talk about your dealership’s coverage?
Our Highstreet Automotive Industry Group is here to keep your business running smoothly.
Frequently asked questions about Franchised Auto Dealerships insurance
It almost certainly does. Most manufacturers mandate specific levels of Garage Liability and Errors and Omissions to protect the brand's reputation. We help you navigate those "fine print" requirements so you’re always in compliance without overpaying for coverage you don’t need.
Franchised dealers often deal with stricter OEM mandates and higher inventory values. Independent dealers, meanwhile, face unique gaps in standard policies—like fluctuating inventory values—that require specialized Independent Dealer coverage to ensure a claim isn’t denied when you need it most.
Beyond standard liability, you'll need Garagekeepers insurance to protect customer vehicles while they’re in your bays. Since "certified" means higher expectations, we also look at Products and Completed Operations coverage to protect you if a repair doesn't go as planned after the customer leaves the lot.
Usually, yes, but it requires a specific Loaner/Rental endorsement to be certain. We make sure your policy distinguishes between a "demo" drive and a multi-day "loaner" so that your assets stay protected even when they’re parked in a customer’s driveway.
