Insurance for Dealerships

The Coverage Your Dealership Needs 

Dealerships have unique risks, so they need the right insurance coverage to manage these risks. At RiskPoint, we help dealerships around the nation analyze their exposures and obtain insurance solutions that are both competitive and comprehensive. Our insurance solutions are designed to meet the needs of a wide range of dealerships.

You care about your dealership’s bottom line. So do we. You don’t want to overpay for insurance coverage you don’t need, but you also don’t want to let insurance gaps jeopardize your business. It’s a fine line. At RiskPoint, we’ll review your exposures and policies to see where you might be paying too much and where you might need more protection.

insurance for auto dealerships
insurance for boat dealerships
insurance for rv dealerships
insurance for motorcycle dealerships
insurance for equipment dealerships

Auto Dealerships

Boat Dealerships

RV Dealerships

Motorcycle Dealerships

Equipment Dealerships

Types of Coverage 

Dealerships need custom policy packages that cover their various exposures. Common policy types for dealerships include the following:

business interruption

Business Interruption 

Events that cause property damage can also cause business interruption. The associated loss of business income can make recovery even more challenging for your dealership, but business interruption insurance can provide the coverage you need.

general liability

General Liability

A lot of things can go wrong when you’re operating a dealership. A commercial general liability policy provides protection against bodily injury and property damage liability, as well as advertising injury.

auto errors and omissions

Auto Errors and Omissions 

When you sell vehicles, you take on risks. Mistakes and oversights in contracts and vehicle history reports can lead to claims of negligence. Protect your dealership with errors and omissions coverage.

employment practices liability

Employment Practices Liability

Taking on employees means taking on employment practices liability exposures. An employee might claim harassment, discrimination or retaliation. Hiring and firing decision can also lead to legal challenges, and so can wage and hour issues. 

umbrella/excess liability

Umbrella/Excess Liability

Settlement amounts and jury awards have been on the rise. You don’t want to be hit with a lawsuit worth more than your insurance limits. Umbrella insurance provides an extra layer of protection to shield your dealership from expensive lawsuits.

workers' compensation

Workers' Compensation

If a worker is injured on the job, your dealership could be responsible for medical costs and lost wages. State law makes workers’ compensation coverage mandatory for most employers.  

cyber liability

Cyber Liability

If your dealership maintains a computer database with customer information or uses computers to connect to the internet – and what dealerships don’t these days? – then you have cyber exposures. A data breach or ransomware attack could expose your customer’s private information, shut down your systems, and damage your company’s reputation. Cyber liability coverage can help you take control of your cyber risks.

Commercial Auto

A commercial auto liability policy provides essential coverage for dealerships. Coverage can include liability insurance, as well as property damage coverage and uninsured and underinsured motorist coverage.

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Our Dealership Team

Joe Scarpello

Director

Melissa Johnson

Executive Account Manager

Becky Steinke

Account Manager

Michele Griffin

Associate Account Manager

Matt Davis

Director of Employee Benefits

Teegan Balfour

Account Manager

Blake Schellenberg

President