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Auto Dealers Insurance Colorado – Insur Group

Dealership Coverage we offer:

  • Dealer Bonds
  • Dealers Open Lot (Inventory)
  • Disability, Life Insurance, and Business Buy/Sell Agreements
  • Employment Practices Liability Insurance
  • Garage Liability Package Policy
  • Property, Crime, and Inland Marine
  • Workers Compensation

One of the Largest Auto/Truck Dealers insurers in Colorado

We have maintained an outstanding relationship with the same A rated insurance companies for garage liability since 2004.

Our specialty is independent and small franchised Auto and Truck dealerships.

We understand your operations, and can insure you, We work with Retail or Wholesale dealers, Buy Here Pay Here dealers or Salvage Dealers, and more.

We can insure all Dealers, from liability only, to $2,000,000+ in inventory

Coverage for Auto Dealers

Garage Liability

Ensure your garage liability coverage is structured specifically for you and the risks you face as an auto dealer. Without the right coverage, a single liability occurrence could put your dealership out of business.  

Garage Operations - Auto Liability

Bodily injury or property damage resulting from garage operations involving the ownership, maintenance, or use of a covered auto.
This usually includes the autos the dealership owns, test drivers, and a dealership employee test driving a potential trade-in.

Garage Operations - Other than Auto Liability

Bodily injury or property damage resulting from garage operations other than the ownership, maintenance, or use of a covered auto.  This is commonly known as slip & fall and operations liability.

  • Auto Inventory Physical Damage/Dealers Open Lot - Your inventory is the lifeblood of your dealership. This coverage protects your inventory against the elements.  While weather can decrease the value of your inventory in a hurry, so can a person with criminal intent. Our carriers provide the coverage and claims service to make sure that if a loss occurs, you don't miss a beat. 
  • Customers’ Automobiles - Different coverage options are available to cover your customers' vehicles when they are in your care. Don't let an unfortunate situation cost you money and a customer.  Special options are available to Buy Here Pay Here dealers to cover non-owned autos that were repossessed, but title has not transferred back to the dealership due to right to cure requirements.
  • Extended Theft/False Pretense - Protection is available for "Trick and Device" schemes for inventory and stock. Coverage is provided for "incoming" and "outgoing" losses. "Outgoing" is when you part with a vehicle; "incoming" is when you acquire possession without a valid title because of false pretense or fraud.
  • Physical Damage to Autos - This coverage protects your inventory against the elements.  While weather can decrease the value of your inventory in a hurry, so can a person with criminal intent. 

Property

Property is more than just your buildings. Here are some key considerations:

  • Building Value – How much would it cost to replace your building? We use a commercial property valuation program that will determine the proper limit for the property insurance on your building. 
  • Business Personal Property - You have properly insured your building, but what about your property inside your building?  Between tools, computers, and detail supplies, this can add up quickly. 
  • Inland Marine – Signs, fences, golf carts, mobile equipment you use to clear your lot of snow and ice, and equipment you keep in a service truck.