Short answer
Dealership insurance is a package of business coverages built for licensed auto dealers — typically including garage liability, dealer's open lot or physical damage, garagekeepers, workers' compensation, and an umbrella. The exact combination depends on the dealership's operations, location, and Nevada licensing requirements.
What this means
Personal auto policies generally exclude vehicles held for sale, customer test drives, and dealer operations. Dealership insurance replaces those gaps with coverages designed for the way a dealer actually operates — selling, displaying, moving, and storing vehicles.
Most Nevada dealers carry several coordinated policies rather than a single product. The right combination depends on whether the dealership is franchise or independent, new or used, on a fixed lot or wholesale, and how many employees and vehicles are involved.
- Garage liability — for dealer operations, customer injuries, and certain auto-related liability
- Dealer's open lot / physical damage — for owned inventory on the lot
- Garagekeepers — for customer vehicles in your care, custody, or control
- Workers' compensation — required when you have employees in Nevada
- Commercial umbrella — additional liability limits over the underlying policies
Nevada note
Nevada dealers must satisfy DMV licensing requirements, including a $100,000 dealer surety bond and proof of liability coverage. Coverage limits, eligibility, and pricing depend on the carrier, application details, and dealer classification.
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.