Dealership · Coverage

Dealership Insurance

Specialized coverage for Nevada dealerships

Garage liability, dealer open lot, dealer bonds, and full dealership programs. Nevada-licensed dealers only.

Available for licensed Nevada dealerships only

Coverages

Dealership coverages, explained

Each section below is a building block of a complete dealership program. Some coordinate with your commercial insurance — they all work together.

Garage Liability

Third-party bodily injury and property damage protection arising from dealership operations, including test drives and on-lot incidents.

Covers customers, employees driving inventory, and lot operations
Often required to satisfy Nevada DMV dealer licensing
Pairs with dealer plates and inventory coverage

Best for: Every Nevada-licensed dealer — new, used, wholesale, or auction.

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Open Lot / Dealer Physical Damage

Physical damage protection for vehicles held for sale on your lot — hail, theft, vandalism, fire, and collision while inventory is in your care.

Reporting forms (monthly inventory) or stated-value options
Hail and weather endorsements available
Coordinates with garage liability for full lot protection

Best for: Dealers with on-site inventory exposure or finance-company requirements.

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Garage Keepers

Covers customer-owned vehicles in your care, custody, or control — service bays, detailing, valet, or overnight storage.

Direct primary or legal-liability options
Protects against theft, fire, vandalism, and collision
Critical for service departments and body shops

Best for: Dealerships with service, detail, or repair operations.

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Workers' Compensation

Statutory protection for employees injured on the job — medical, lost wages, and rehabilitation. Required in Nevada once you have employees.

Covers technicians, sales staff, lot attendants
Pay-as-you-go options available
Coordinates with your commercial program

Best for: Any dealership with W-2 employees.

Workers' Comp details

Commercial Umbrella

Adds an extra layer of liability above your garage liability, auto, and general liability limits — for catastrophic claims that exceed primary coverage.

Typical limits: $1M – $10M+
Sits over garage liability and workers' comp employer's liability
Often required by lenders and floor-plan providers

Best for: Dealers with significant inventory value, employee count, or floor-plan lending.

Commercial coverages

Required for licensing

Nevada Dealer Surety Bond

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.