If your dealership puts anyone behind the wheel, from test drives to dealer plates to staff running parts, you need business auto insurance for auto dealers. It covers the liability and physical-damage exposures that come with vehicles your business owns, borrows, or lets customers drive, which a personal auto policy will not touch.
What business auto covers
- Liability. Injury or property damage your drivers or test drivers cause.
- Dealer plates. Coverage tied to how dealers actually move vehicles.
- Hired and non-owned auto. Employees using their own cars for dealership errands.
- Physical damage. Collision and comprehensive on vehicles you own.
- Medical payments. Injury costs for occupants after a covered accident.
Why dealers need dealer-specific auto coverage
Standard commercial auto policies are not written around test drives, loaner cars, and constant vehicle movement on and off the lot. A program built for dealers accounts for those patterns, so a fender-bender on a test drive does not become an uncovered surprise. ISC partners with A+ rated carriers to fit the coverage to your operation.
How it fits with your other coverage
Business auto works alongside garage liability, dealer open lot, and general liability to cover the gaps between your lot, your building, and your vehicles. One team, one call when something happens.
Get a business auto quote
Tell us how your dealership uses vehicles and we will build a quote that fits. It is quick, with no obligation. Email sales@isccoverage.com, call (631) 750-6990, or request a quote here.
