Insurance designed for automotive dealers

Our insurance solutions for automotive dealers are designed to meet the unique risks that come with operating a dealership.

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We offer solutions for:

Automotive dealers

Power sport dealers

Motorcycle dealers

RV dealers

  • Automotive dealers
  • Power sport dealers
  • Motorcycle dealers
  • RV dealers

Why automotive dealers trust us

We have over 100 years of experience creating custom-built insurance solutions for car, truck, SUV, motorcycle, power sports and recreational vehicle dealers.

Through our experience working with both franchise and independent operators, we understand the risks you’re exposed to on a daily basis.

So whether your dealership sells cars, trucks, motorcycles or RVs, take advantage of our industry expertise to get a tailored and complete commercial insurance solution designed specifically for your automotive dealer business.

At Federated Insurance, we provide:

  • Customized insurance solutions designed for automotive dealers
  • Dedicated advisors who work with you directly
  • Expanded coverage options
  • Flexible payment and deductible options
  • Quick, no-hassle renewals
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Insurance coverages for your dealership

In addition to providing you with coverage for liability, property and employees our toolbox is filled with coverages designed specifically for your automotive dealers industry to ensure that you’re properly protected:

Blanket Coverage:

We provide a blanket limit coverage for all of your business contents, whether on or off your premises.

Mechanic’s Warranty of Work:

We’ll cover corrections for mistakes made through the installation of a defective part or as a result of faulty work on customers’ vehicles.

Up to 100% of Retail Charges on Repairs:

When asked to use your own facilities to repair damaged vehicles, you’ll receive up to 100% of normal retail charges for such repairs.

Odometer:

We’ll protect you against odometer tampering.

False Pretense:

We’ll protect you against the loss of vehicles due to tricks or schemes.

New Vechicle Sales Protection:

We provide coverage for claims from a customer who is dissatisfied with a vehicle purchased from you.

Customers’ Vehicles:

We offer liability and physical damage protection for customers’ vehicles when they are in your possession, on your property or on a test drive.

Business Interruption:

You can take advantage of our business interruption insurance to help protect your business from a loss of income.

Crime:

We offer insurance coverage to help protect you from employee dishonesty, credit card forgery and other types of theft by employees and others.

Cyber:

We’ll help to keep your business cyber safe with costs coverage for data recovery, customer breach communications and e-commerce threats.

Company Vehicles:

We’ll make sure you have the right coverage for all of your company vehicles, whether you have just one or a whole fleet.

Improvements to ‘Floor Plan’ vehicles:

We’ll protect the enhancements (additional parts and accessories) you add to floor-planned vehicles, if not covered by the floor plan insurance program.

Personal:

Personal insurance solutions are available for your home and vehicles. So whether you own a house, cottage, car, boat or RV, we can help you build a complete insurance package that protects your business, your employees and your family.
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We’re your dealership industry experts

Our expertise among car, truck, SUV, power sports, motorcycle and RV dealer industry segments is defined by our relationships with the leading automotive dealers industry associations like the Recreational Vehicle Dealers Association (RVDA), the Motorcycle and Moped Industry Council (MMIC), Power Sports Services (PSS) and more.

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Work with us directly

Federated Insurance works directly with you. Whatever your needs, our team of industry-trained experts will ensure that your dealership is properly protected.
We take the time to understand your business today and in the future, so that as your business evolves, we’ll be there to ensure that your coverage is aligned to meet the needs of your operations.

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Value-added services for your dealership

Once you become a customer, you’ll have access to an array of value-added services for your automotive dealership that include:

Superior claims handling

Our claims professionals are skilled in handling claims in the automotive dealers industry. They’re available 24/7 to resolve your claim and get your dealership back up and running as quickly as possible.

Dedicated advisors

Our Commercial Insurance Specialists have the expert knowledge and experience required to develop tailored insurance programs to fit the unique needs of your automotive dealership, while also providing expert advice and support along the way.

Loss prevention expertise

Access to our highly-trained loss prevention consultants to answer your questions and provide you and your employees with valuable safety advice.

Safety programs

Tools to help you create, implement and maintain safety programs, with a focus on identifying, communicating and mitigating risks.

Trauma assistance

Confidential one-on-one counselling services to help you through traumatic loss.
Tire magazine linking to a whitepaper download about risks automotive dealers face

Do you want to learn more about the risks tire businesses face and the appropriate steps to take against them?

Download our free white paper

Risk management tips for automotive dealers

Tip #1:
As a business owner, you have an obligation to ensure your employee has a valid license for the vehicle they are operating and a driving record that’s within the parameters of your company’s driving standards. MVRs are an effective and inexpensive risk management tool to assist you in doing this, and should be used by all companies who employ drivers.
Tip #2:
An effective burglary prevention program needs to consider the building design and how the various components of a building need to work together to prevent burglaries. The weakest points of buildings are typically the doors and windows. These need to be protected.
Tip #3:
Thieves may target closing time to ensure that no other customers witness the theft. Before locking up, check all areas such as offices, restrooms and back storage to verify there are no customers remaining in the building.

Latest blog posts for automotive dealers

Check out our latest blog posts for some tips on business, customer, employee and operational safety for automotive dealers: