Protecting your dealership at every turn
Dealerships face complex risks that extend far beyond selling vehicles and equipment. From protecting high-value inventory and customer units to managing exposures in showrooms, service bays, yards, marinas and on the lot, even a single loss can affect profitability and disrupt operations. The right insurance and risk management strategy can help safeguard your business, protect your balance sheet, and keep your dealership moving forward.
Practical coverage for complex dealership risks
Insurance guidance for dealerships
In today’s fast-moving retail environment, inventory values, customer units, test drives and demos, service operations, property exposures and liability risks all need careful attention. Navacord advisors help dealership owners and operators assess these risks, strengthen loss prevention practices and build insurance programs that support day-to-day operations, renewal planning and long-term business resilience.
Risk management built around your business
Keep your dealership protected and prepared
Navacord can help you manage dealership risk and protect your balance sheet. Our in-house specialists review every area of your operation. This includes the showroom, sales office, service department, garage, yard, marina, storage area, and vehicle or equipment lot. We dentify exposures, recommend ways to reduce preventable losses, and help protect your people, customers, and inventory.
In addition to value-added risk management support, Navacord works with you to develop a customized insurance program through our exclusive dealership insurance offering. Our advisors help ensure your business has the right mix of specialized coverage, such as Garage Automobile Liability where applicable, along with the core commercial policies dealerships need, including Directors and Officers Liability. Clients also benefit from preferred industry rates.
Our risk management services are designed to help reduce the likelihood and impact of claims. If a loss does occur, our claims advocacy team can support you through the process, acting on your behalf to facilitate communication, address issues quickly, and help move the claim from initial reporting through to final resolution.
Who we help
Our dealership insurance specialists support a wide range of businesses with tailored insurance and risk management solutions designed to protect daily operations, inventory, customers and employees.
Protect your showroom, inventory, service operations, customer vehicles, and employees with coverage designed for established and independent dealership operations.
Access insurance and risk advice that supports RV sales, customer units, service work, lot exposures, test drives, and day-to-day business operations.
Secure coverage for specialized inventory, demos, customer units, service work, and liability risks across powersports, motorcycle, and marine retail operations.
Get support for exposures related to equipment sales, rentals, service bays, repair work, tools, employees and customer property in your care.
Build a coordinated insurance program that helps manage risk across multiple sites, teams, inventories, product lines, and operating environments.
Our dealership insurance expertise
When you work with a Navacord broker, you get an advocate who understands the insurance needs of dealerships across automotive, RV, motorsports, marine, equipment, and motorcycle sectors. Below are a few ways our expertise can help support your business.
Negotiate coverage on your behalf, with your dealership’s best interests in mind.
Use their insurance expertise to identify your coverage needs and potential gaps.
Access a broad insurance market to help find protection that fits your operations and budget.
Support you through the claims process and advocate for a fair and timely resolution.
Put your needs first as your insurance advisor, not as a representative of the insurance company.
Coverage designed for dealership operations
Essential dealership insurance coverages
Through our relationships with leading insurance providers, we help dealerships access coverage options that reflect their operations, inventory, facilities, employees and customer-facing risks. Our team can help build a program that supports daily dealership activity and long-term business resilience.
Garage Automobile Liability
Helps protect your dealership against liability risks connected to test drives, demos, customer interactions, vehicle or equipment movement, and day-to-day dealership operations.
Garage Keepers and Customer Property Coverage
Protects customer vehicles, units or equipment while they are in your care, custody or control, including items being serviced, repaired, stored, or moved on your premises.
Open Lot and Inventory Coverage
Helps protect dealership-owned vehicles, units, watercraft, equipment and inventory against covered losses such as theft, vandalism, fire, hail, flood, and severe weather.
- Property Insurance
Property Insurance
Provides coverage for showrooms, offices, service bays, equipment, signage, contents, storage areas and other physical assets after a covered loss.
- Business Interruption Insurance
Business Interruption Insurance
Helps replace lost income and cover certain extra expenses if a covered event disrupts your dealership operations.
- Commercial General Liability
Commercial General Liability
Designed to respond to third-party claims involving bodily injury, property damage, personal injury or related legal costs connected to your business.
- Cyber Insurance
Cyber Insurance
Helps protect your dealership from risks related to customer data, online transactions, cyberattacks, privacy breaches, and recovery costs after a covered event.
Crime Insurance
Supports protection against losses related to employee dishonesty, theft, fraud, forgery, and other crime-related risks that can affect dealership operations.
Explore broader business protection
If your needs go beyond marine insurance, Navacord offers a full range of business insurance solutions designed to support your operations, risks, and long‑term goals.
