Dealership Insurance

Running an automobile dealership in Texas means managing one of the most complex insurance exposures in the commercial market. Between the vehicles on your lot, the customers test-driving your inventory, the service department working on customer cars, and the employees operating across your entire facility, the risks facing a dealership are broad, interconnected, and significant. Without a properly structured dealership insurance program, a single incident — a hailstorm, a test drive accident, a slip-and-fall in the showroom — can result in losses that threaten your entire operation. At Silva and Sons Insurance Services, we specialize in automobile dealership insurance and motorcycle dealer insurance across Central Texas, Dallas, Houston, and San Antonio. We work with new car dealerships, used car dealerships, independent auto dealers, buy-here-pay-here lots, motorcycle dealers, RV dealers, and powersports dealers of all sizes. Dealership insurance is one of the most specialized areas of commercial coverage — and one of the most commonly mishandled by brokers who don't understand the industry. We do. Dealers Open Lot coverage — also called Lot Insurance or Inventory Insurance — is the foundation of any dealership insurance program. It protects your vehicle inventory against physical damage from hail, wind, fire, flood, theft, and vandalism. But inventory coverage alone is not enough. You also need Garage Liability Insurance to cover bodily injury and property damage claims arising from your operations, including accidents that occur during test drives or while vehicles are being serviced. Garagekeepers Legal Liability protects customer vehicles in your care, custody, and control — whether they're in your service bay, your detail shop, or your parking lot. If your dealership has a finance and insurance office, you may also need Errors and Omissions coverage to protect against claims arising from the sale of financing products, warranties, or add-on services. Workers Compensation is required by Texas law for most employers and is essential in a dealership environment where service technicians, lot attendants, and sales staff face a range of workplace injury exposures. Commercial Auto coverage is needed for dealer plates, loaner vehicles, and any vehicles operated by your staff on dealership business. Our licensed brokers will review your current dealership insurance program, identify gaps in your coverage, and shop multiple carriers to find you competitive rates on a policy built for how your dealership actually operates. If you're looking for auto dealer insurance, lot insurance, garage liability, or a complete dealership insurance review in Texas, contact Silva and Sons Insurance Services today.

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