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Auto Dealer Insurance in California


Owning an auto dealership can be stressful. You have to keep track of supply and demand, advertising, employee morale, incentives, customer services and more. Sometimes problems can arise that put your dealership at risk. Protect yourself and your auto dealership by making sure you have the right types of commercial insurance.

  • General Liability
  • Garage Liability
  • Commercial Auto
  • Workers Comp

General Liability For Auto Dealers

General liability insurance is designed to give you a broad, overall level of commercial insurance protection for things that you might not expect to happen. General liability includes bodily injury coverage for customers if they get hurt on your property. It also provides coverage for costumer’s property in case of damage while in your possession. General liability also provides you with financial protection if there are mistakes in your advertising, or if liability arises with the products you sell.

Business Owners Policy For Auto Dealerships

General liability is included in a more detailed commercial insurance coverage option that is ideal for small businesses like yours. A business owners policy, or BOP, provides you with specific types of protection for your tangible and intangible business assets. You can tailor the coverage options in a BOP to meet your auto dealership needs.

Buildings and Contents – The dealership showroom and your company offices are critical to the success of your business. A BOP protects you from the loss of the actual building, outdoor assets such as your vehicle inventory, and inside assets such as the office furniture and equipment.

Business Income and Extra Expense – When disaster strikes it may cause enough damage that you are forced to conduct business in a temporary location. Sometimes you must close your dealership completely until repairs can be made. A BOP can provide for lost income and temporary extra expenses when events like this arise.

Electronic Data – Inventory, sales data, employee contracts and customer financing information – all of these are examples of the types of critical data your dealership may keep in electronic format. A BOP protects you from the financial burden that losing these digital files can cause.

Newly Acquired or Constructed Buildings – If you build a new showroom or buy another location to expand your business, a BOP can protect those new structures for a specified time without additional premiums.

Employee Dishonesty Coverage – Employee dishonesty accounts for as much as $400 billion in lost annual revenue for small businesses. Dishonest actions can include theft of physical property from the premises, unauthorized use of company credit cards and computer fraud.

Commercial Auto Insurance For Car Dealerships
Auto dealers drive frequently. Protect your company from extensive financial hardships that can be caused if you or an employee is involved in an auto accident while driving for business specific purposes. 

Workers Comp Insurance For Auto Dealers
If your auto dealership has employees, you are required by law to protect them from financial hardships that might arise if they are injured on the job. Workers comp insurance is a required coverage, and it pays the employee’s medical and hospital expenses when accidents happen.

For more information about garage insurance or to start a free quote, contact your Coffer Insurance agent today!  Please call (714) 237-0000.

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