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Auto Dealers Insurance (MD, VA, PA, DE*)

(*At this time, we do not have a market for wholesale auto dealers insurance for those located in Delaware)

Get the best deal on your auto dealers insurance protection by contacting Huff Insurance

Huff Insurance can insure your auto dealership in Maryland, Pennsylvania, Washington DC, Virginia and  Delaware*.

As an auto dealer, you have some obvious risks since the value of your business sits vulnerably on display in showrooms and on open lots each day and night. But does your auto dealers insurance policy also consider the liability inherent in business transactions?

A buyer’s claim arising from accidental false information can be just as devastating to your business as a theft or damage to your inventory.  And a great Maryland auto dealers insurance policy from Huff Insurance can provide you with the peace of mind that your auto dealer business will not be devastated.

At Huff Insurance we can insure automobile wholesalers, or automobile retailers of new or used cars, trucks or motorcycles.

Also, we take he time to know how your business operates.  We take the time to do this so we can better protect what matters to you most.  For example, our president, Nancy Nicklow took a day and went to the Manheim Auto auction with one of our auto dealer clients.  And it was a great experience and she has documented in her blog, A Day In The Life Of An Auto Dealer, give it a read.

Also, we are well versed in the process of obtaining your dealer licensing and can help you understand the steps it takes to get licensed with the MVA and when you need to start obtaining the appropriate auto dealers insurance and auto dealer bond.

If you are opening a used car dealership in Maryland, the MVA has a guide that will help you with the steps involved with opening your new auto dealer business. To get a copy of the guide, please fill out his form and we will get one to you.

Imagine that you have a potential customer that wants to test drive a vehicle.  While driving with your dealer tag the customer changes lanes and hits a van filled with kids on Route 100 in Pasadena, Maryland.  The van slams into a guardrail and the kids are seriously injured.  Since the customer was driving with your dealer tag, it is your garage liability coverage that needs to pay for the other vehicle and their injuries.  Your dealer’s open lot coverage is responsible to pay for the damage to your car.  Does your current dealers policy provide you with enough protection to cover this loss?  Not sure, then give us a call and we can discuss options with you.

A comprehensive auto dealer insurance policy can include coverage such as:

  • Theft and Damage to inventory on your Open Lot
  • Liability in the event someone is injured on your lot or premises
  • Errors and Omissions: Odometer, Truth in Lending, and Title Prep
  • Personal Injury
  • Liability coverage for vehicles on your lot to be sold
  • Motor Vehicle Dealer Bond
  • Commercial Umbrella Insurance

Do you offer repair or servicing on vehicles of others?  If so, then in addition to the dealer’s open lot coverage you need garage keepers coverage to provide protection if the customer’s vehicle is damaged while it is in your care, custody or control.

Another thing to consider is your drive away coverage, most policies give you 50 miles coverage from your lot.  However, do you pick up vehicles from auctions that are more than 50 miles from your location?  If so then you need to increase your drive away coverage limitation to provide you with protection when you are outside of this radius.

Worried about costs? Don’t be. Auto dealers insurance is some of the most affordable protection available.

Auto dealer insurance is available to owners of new and used car sales dealerships. It is an affordable method of eliminating the risks associated with holding an expensive inventory of garaged and open lot vehicles.  You can do things to reduce your costs by installing lights or a fence around your lot to minimize your vulnerability for loss and the insurance companies will also reward you by giving you a discounted rate.

And if you plan on hiring employees, or using independent contractors that do not have their own insurance, you must also carry Workers Compensation Insurance according the law.  We can also make sure you are covered there as well.

Here are 3 reasons to get started with Huff Insurance right now!

  1. With today’s lower inventory levels you can probably save money by adjusting the coverage you need.
  2. You can get a no-risk quote right away by simply filling out this short form. We’ll get back to you within a day with an affordable policy that can offer you complete coverage for all aspects of your auto dealership business.
  3. We have agents that specialize in YOUR business.

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