Dealer open lot (DOL)
Physical damage protection for inventory vehicles against collision, rollover, fire, lightning, and hail storms.
Dealership risk solutions
Commercial insurance tailored for independent auto dealerships.
Protect independent and used car dealerships across Georgia and Pennsylvania with Garage Liability, Dealer Open Lot inventory coverage, Garagekeepers, and mandatory State Dealer Surety Bonds.
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Why is independent auto dealerships on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Dealership lot operations
Balancing inventory investment with customer test-drive liability.
Independent dealerships face severe open-air weather exposures (hail and windstorm) alongside high-frequency test-drive liability and strict state licensing board compliance rules.
Key coverage solutions
Structured around the realities of your situation.
Garage liability
Shields against customer injuries on the car lot, showroom slips, and test-drive road accidents.
Garagekeepers coverage
Protects customer vehicles left for trade-in appraisal, detailing, or minor servicing.
Dealer surety bonds
Instant electronic filing of the mandatory state dealer bonds required by Georgia ($35,000) and Pennsylvania ($30,000).
Quote underwriting details
What we need to build your independent comparison.
- Max inventory valueThe peak retail value of vehicles parked on the dealership lot and showroom floor.
- Key control proceduresSecure electronic key safes and strict overnight key storage to deter lot theft.
- Test drive protocolsDriver license photocopying, salesperson accompaniment, and dealer plate tracking.
Related discovery
Frequently asked questions
Common questions about independent auto dealerships.
What does Dealer Open Lot (DOL) insurance cover?
DOL covers wholesale and retail vehicle inventory held for sale against theft, collision, fire, and weather disasters like hail and tornado damage.
Can you issue our state dealer license bond?
Yes. We issue Georgia and Pennsylvania auto dealer surety bonds directly and coordinate electronic filings with state licensing boards.
What coverage is required if our dealership offers financing or warranties?
We offer specialized endorsements including Errors & Omissions for Truth-in-Lending, federal odometer compliance, and title preparation.
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Start your independent quote comparison today.
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