As an auto dealer in Ohio, you face unique risks daily. From high-value vehicles displayed in open lots and showrooms to the liabilities associated with employee operations and hundreds of visitors to your dealership, your business needs protection from every angle.
But does your current auto dealer insurance policy consider all aspects of your operations? From liability claims stemming from customer injuries to buyers providing false information to secure a vehicle, unforeseen risks can disrupt your business. At Sprouse Insurance/OneDigital, we specialize in crafting tailored insurance policies to address the specific needs of your dealership, ensuring comprehensive coverage and peace of mind.
What Does Auto Dealer Insurance Cover?
Our auto dealer insurance policies are designed to safeguard every aspect of your dealership, with coverage options including:
- Property Damage and Bodily Injury: Protects against claims related to lot and garage operations.
- Garage Keepers Liability: Covers damage to customer vehicles and property left in your care.
- Garage-Owned Autos: Protects vehicles owned by your dealership, whether on the lot or in storage.
- Owned Autos Liability: Provides coverage for disputes and claims involving your dealership’s vehicles.
- Hired Autos Liability: Covers vehicles rented or borrowed for business use.
- Non-Owned Autos Liability: Protects employees, partners, or household members using vehicles for your business.
- Temporary Substitute Autos: Ensures coverage for temporary vehicles replacing disabled owned autos.
- Newly Acquired Autos: Automatically includes newly added vehicles during the policy period.
Optional Enhanced Coverage
For more robust protection, we also offer additional options, such as:
- Defective Product and Faulty Work Coverage: Covers claims resulting from faulty parts or repairs performed by your shop.
- Customer Autos Actual Loss Sustained: Provides full-value coverage for customer vehicles, regardless of pre-set policy limits.
Bundling your auto dealer policy with a business property insurance policy can enhance your protection and simplify your coverage.
Affordable Coverage Tailored to Your Dealership
Worried about costs? Sprouse Insurance/OneDigital offers competitively priced insurance policies designed to address the specific needs of new and used car dealerships. Our solutions help you reduce risks while protecting your business and its inventory, whether garaged or displayed in open lots.
The Sprouse Insurance/OneDigital Difference
Insurance isn’t one-size-fits-all, and choosing the cheapest policy can leave critical gaps in coverage. That’s why we take a personalized, high-touch approach to ensure your policy fits your business perfectly.
As your local partner, we serve businesses in Fremont, Genoa, Gibsonburg, Woodville, Oak Harbor, Millbury, Port Clinton, Clyde, and surrounding areas. We work with a network of top-tier insurance providers to offer affordable, responsive protection.
Request Your Quote Today
Your dealership deserves comprehensive coverage designed to safeguard everything you’ve worked hard to build. Click the Request a Quote button now to get started. Let the professionals at Sprouse Insurance/OneDigital help you protect your business with confidence.