Short answer
Most Nevada dealers carry garage liability, dealer's open lot or dealer physical damage, garagekeepers, workers' compensation, and a commercial umbrella. The Nevada DMV also requires a $100,000 dealer surety bond before licensing.
What this means
Each coverage solves a different problem. Liability protects against claims from others, physical damage protects owned inventory, garagekeepers protects customer cars, workers' comp protects employees, and the umbrella adds a layer above everything else.
Dealers should review limits, deductibles, exclusions, and endorsements together rather than in isolation. A gap in any one of these can affect the whole program — for example, a low garagekeepers limit can leave a dealer paying out of pocket after a single lot fire or hailstorm.
- Garage Liability — dealer operations, premises, and certain auto liability
- Open Lot / Dealer Physical Damage — owned inventory on the lot or in transport
- Garagekeepers — customer vehicles in the dealership's care
- Workers' Compensation — required by Nevada law for most employers
- Commercial Umbrella — added limits over the underlying liability policies
- Nevada DMV $100,000 Dealer Surety Bond — required for licensing
Nevada note
Workers' compensation requirements in Nevada are governed by state law. Coverage availability and pricing vary by carrier, classification codes, payroll, prior losses, and dealer operations.
Dealership insurance is offered for Nevada dealers. Coverage availability, eligibility, limits, and pricing depend on the carrier, underwriting, application details, endorsements, exclusions, and Nevada DMV licensing requirements. This information is educational and is not legal advice or a guarantee of coverage.
Related Bond Requirement
Related: Nevada dealer bond requirement
Nevada dealers are typically required to maintain a $100,000 surety bond before licensing approval. We help you secure the right bond and coordinate it with your dealership insurance.
Next step
Book a free Nevada dealer coverage review to walk through garage liability, open lot, garagekeepers, workers' comp, umbrella, and your dealer bond together. For standard bonds you can also quote and purchase online.