Truck & Trailer Dealerships
When your business deals in heavy truck sales, leasing, rentals and service, you rely on your insurance experts to provide the right coverage and more.
Insurance customized for your industry.
- Comprehensive risk management approach to safeguard your business.
- In-house loss control team to identify risk factors and develop practical solutions
- Count on us to help with the cumbersome process of effectively tracking your customers insurance within your lease portfolio.
- We also support your industry by working with national trade groups, associations, leasing systems and OEMs.
Expert insurance coverage for:
- Truck & Trailer Dealerships
- Truck & Trailer Leasing
- Truck & Trailer Rental
We know the special risks you face as a big truck dealership.
We understand that your business requires a comprehensive risk management approach to safeguard your business — and protect your bottom line.
Talk to an agent
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.
Protect 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.
Dealers Open Lot / Floor Plan
Coverage for physical damage to vehicles owned, and held for sale, by your dealership.
Contingent Lease/Rental
We pioneered the design of this product to one of the broadest forms in the marketplace, designed to protect the lessor from third party losses.
Insurance Tracking
To monitor and manage your clients’ policies to ensure they are active and compliant.
Lease Here/Pay Here
Our standard contingent program includes a new FR (financial responsibility) program that allows your lease program to compete on a level playing field with other loan products and enjoy the many benefits of leasing a vehicle to your customer.
Commercial Auto
Coverage for your company-owned vehicles.
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.
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.
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.
Dealer Bonds
Surety bonds (required by many states) that protects your customers from damages due to fraudulent or unethical practices or compliance issues.
Pollutant Cleanup
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 Truck & Trailer insurance
You need a combination of General Liability to protect your lot and Garagekeepers coverage to watch over the rigs in your care. Because you're moving big equipment, we also look at Dealer Open Lot for your inventory and specialized Transportation coverage for the journey from the factory to your front gate.
Generally, yes—dealer plates follow the tag, not just the truck. This allows you to legally move heavy inventory for demonstrations or service. However, because weight classes vary, we can ensure your policy specifically schedules "Heavy Truck" usage so there are no surprises when you're hauling a load on a test drive.
It’s all about the altitude of the risk. While cars are valued on standard guides, truck inventory often requires Stated Value or Reporting Form policies to account for custom rigs, trailers, and fluctuating market costs. We help you stay accurate so you aren't paying for "air" or leaving a gap on a high-value sleeper cab.
If a potential buyer takes a turn too tight, your Garage Liability usually steps in for the third-party damage, while your Dealer Open Lot coverage handles the repairs to your rig. We make sure your "per-unit" deductible is clear, so one bad lane change doesn't derail your monthly margins.
