Liability Insurance
for Dealerships

Protection Built for Dealerships

— Not Just Any Business

Get Quoted. Get Certain

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The Guarantee
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Built for Real Dealerships, Not Generic Businesses

Managing an auto, truck, or powersports dealership means managing risk at every turn — customer injuries, test-drive mishaps, inventory losses, staff practices, and catastrophic weather. A standard garage policy won’t cut it.


We offer tailored liability insurance for Canadian dealerships that covers your full operation: showroom, service bay, lot, office, staff, and customer relationships.

Who We Serve

who we serve
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Franchised auto dealerships

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Used car dealerships

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Motorcycle and power sports dealers

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Heavy truck dealerships

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Boat, RV, and marine dealers

What Makes Our Dealership Program Different

Comprehensive Liability & Property Coverage

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Garage liability

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Premises and slip/fall liability

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Test-drive and demo
vehicle coverage

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Product and completed operations coverage

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Open lot theft coverage

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D&O and employment
practices liability

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Full-Cycle Claims Management
Dealers get 24/7 access to adjusters who know your business. We offer proactive claim reporting, post-loss walkthroughs, and dedicated support from submission through resolution.

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Hail & Flood Risk Mapping
We use region-specific loss data and mapping to underwrite weather risks and offer optimized terms for high-exposure lots.

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Onsite Risk Benchmarking
We assess your dealership across 30+ areas — from perimeter security to staff practices — and show how you compare to peers across Canada. You’ll get a custom benchmarking report with actionable recommendations.

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Dealer-Focused Underwriters & Broker
Our placement team understands auto retail and wholesaling. You’re not explaining what a floor plan is to someone selling yoga studios or dentist offices.

Eligible for Additional Premium Savings

Dealerships may qualify for further premium reductions if the following risk control measures are in place:

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Secure key management system (e.g., key bank or lockbox)

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Perimeter fencing and gated access

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24/7 security camera coverage

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Limited number of demo vehicles assigned to employees

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Use of third-party rental vehicles instead of loaner fleet

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Up-to-date employee manuals and documented policies

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Motor Vehicle Record (MVR) checks for all staff with driving privileges

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On-site security presence during off-hours

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Monitored burglar and fire alarm systems

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Strict no-smoking policy inside the building

Even if you have a few of these already in place, they can make a meaningful impact on your coverage pricing and risk profile.

Sample Coverage Inclusions

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Blanket limits across property, tools, business interruption, and vehicle inventory

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Claims-prepared loss documentation and business continuity plans

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EPLI and management liability

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Catastrophic event response and rapid indemnity assessment

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Captive access for premium optimization (select eligible dealers)

Not Sure If You're Fully Covered?

Let us deliver a Dealer Liability Benchmark Report.
We’ll compare your current coverage and risk profile against leading dealerships across your region — and flag the gaps that could cost you.

What Our
Customers Are Saying

Real reviews from real clients — across commercial lines, personal insurance, and surety bonding. Discover why business owners, families, and professionals across Canada trust Ai Insurance Organization to protect what matters most.

Dealer Liability Insurance FAQs

What liability risks are most overlooked by auto dealerships?

Many dealers don’t realize that test drives, service vehicle use, or even poorly marked lot areas can expose them to serious claims. We help identify and mitigate these lesser-known risks before they become problems.

Is garage liability the same as general liability
for dealerships?

No. Garage liability is specific to operations involving vehicles — such as customer test drives, courtesy cars, and repairs. We combine this with general liability and commercial package coverage to give you complete protection.

How are claims handled under your
dealership program?

We offer 24/7 claims support with dealership-specialized adjusters. That includes pre-claim consultations, post-loss walkthroughs, and negotiation support. Dealers appreciate our proactive “meet and greet” claims service.

Can you help with dealership-specific risk control?

Absolutely. We conduct full-site assessments across 30+ risk areas including staff practices, perimeter security, fire prevention, and more. Then we benchmark your operation against other dealerships to help reduce losses and premiums.

What types of dealerships qualify for this program?

Our program is built for franchised new car dealers, independent used car lots, truck and trailer dealers, motorcycle retailers, marine and RV dealers — basically, any commercial dealership that maintains a physical inventory and handles customer interactions.

Ready to Talk?

Let’s book a 10-minute Dealer Risk Review and see if your current broker is protecting your business — or just renewing a policy.

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