Liability Insurance for Dealerships
Protection Built for Dealerships
— Not Just Any Business
Get Quoted. Get Certain
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
Franchised auto dealerships
Used car dealerships
Motorcycle and power sports dealers
Heavy truck dealerships
Boat, RV, and marine dealers
What Makes Our Dealership Program Different
Comprehensive Liability & Property Coverage
Garage liability
Premises and slip/fall liability
Test-drive and demo vehicle coverage
Product and completed operations coverage
Open lot theft coverage
D&O and employment practices liability
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.
Hail & Flood Risk Mapping
We use region-specific loss data and mapping to underwrite weather risks and offer optimized terms for high-exposure lots.
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.
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:
Secure key management system (e.g., key bank or lockbox)
Perimeter fencing and gated access
24/7 security camera coverage
Limited number of demo vehicles assigned to employees
Use of third-party rental vehicles instead of loaner fleet
Up-to-date employee manuals and documented policies
Motor Vehicle Record (MVR) checks for all staff with driving privileges
On-site security presence during off-hours
Monitored burglar and fire alarm systems
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
Blanket limits across property, tools, business interruption, and vehicle inventory
Claims-prepared loss documentation and business continuity plans
EPLI and management liability
Catastrophic event response and rapid indemnity assessment
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.
