Independent Auto Dealers

Independent automotive dealerships face a myriad of challenges. From protecting expensive inventory to dealing with the public, their risk profile can be extensive. 

We know independent dealerships

Victor underwrites package policies to cover the major exposures of independent auto dealerships.

Dealership Garage Package

Complete our limited appointment producer questionnaire to qualify for an appointment. 

auto dealership

Trip and fall incidents

Slips, trips and falls are on the rise, particularly in the service department. Check out our trips and fall incidents risk advisory to learn more. 

parking lot

Agent/broker resources

Limited Appointment Program
A broker appointment is required to receive a quote in our Dealership Garage Package program. If you would like to inquire about obtaining an appointment, complete our brief limited appointment producer questionnaire and a team member will contact you with more information.

Submission requirements:

  • Limited appointment producer questionnaire
  • Rating profile
  • EPLI/crime application (for all states excluding Washington)
  • Employee lists, title, driver’s license #, date of birth
  • Loss runs 4–5 years
  • Acord 125
  • Acord 130 if submission includes workers' compensation
  • Current NCCI Experience Modifier worksheet if quote includes workers' compensation

Coverage: Admitted and non-admitted options with A+ rated carriers

Minimum Premium: $20,000

Availability: In most states (broker appointment required for Dealership Garage Package). Used automotive dealers must average selling ten cars per month and must have been in business for at least two years. 

Coverage options:

  • Auto inventory and garagekeepers
  • Garage liability
  • Property
  • Commercial auto
  • General liability
  • Umbrella
  • Crime
  • Employment practices liability
  • Errors & omissions

Download the Independent Auto Dealership coverage highlights sheet

Order loss runs
If you are the broker or agent of record, please provide the insured's name and policy number and email your request to

Report a claim:

Property claims


Garage liability claims / garagekeeper claims / business auto claims


To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Contact the auto dealers team directly at or connect with your business development contact.

Policyholder resources

To get a quote, please submit a completed application through your existing insurance broker. Your insurance agent/broker can work with our underwriters to provide you with a quote.

If you require assistance in securing an insurance broker, please contact us at

To find the right application, please select the solution you’re interested in under “Solutions” and head to the “Applications” section of that page.

Order loss runs
If you are the broker or agent of record, please provide the insured's name and policy number and email your request to

Report a claim:

Property claims


Garage liability claims / garagekeeper claims / business auto claims


The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Limited appointment producer questionnaire

To obtain an appointment with our auto dealership team, complete our brief limited appointment producer questionnaire. 

Pedestrian safety

Mitigate risk with vehicle use agreements and employee training.

pedestrians crossing the road

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.