Why the Right Insurance Coverage is Critical for Independent Auto Dealerships

Owning and operating an independent auto dealership or used car lot brings opportunity—but it also brings serious risks. From customer liability to inventory damage and regulatory compliance, your dealership needs specialized protection that goes beyond standard commercial policies.

That’s where ISE Insurance Services comes in. We provide tailored car dealership insurance solutions designed specifically for the used car industry. Our expert agents average over 22 years of experience and proudly serve auto dealerships in California, Texas, Georgia, Arizona, Missouri, Ohio, Kansas, Indiana, and more than 30 states across the country.

What Coverages Do Independent Auto Dealers Need?

Your dealership faces complex exposures that require more than just basic general liability insurance. At ISE Insurance, we help business owners secure the specific coverage they need to operate legally and securely, including:

• Garage Liability Insurance for Car Dealers – Protects against third-party claims for bodily injury or property damage on your lot or during test drives.
• Dealers Open Lot Coverage – Essential for protecting your vehicle inventory from theft, vandalism, and weather-related damage.
• Auto Dealer Bond Insurance – Many states require a bond for licensing. We make that process fast and simple.
• Commercial Insurance for Car Dealerships – Covers your buildings, signage, and office contents.
• Errors & Omissions (E&O) Coverage – Protects against costly paperwork or documentation errors.
• Workers’ Compensation – Required if you have employees, this covers workplace injuries and medical costs.
• Floor Plan Insurance for Car Dealers – A must if your dealership uses financing for vehicle inventory.

Why Dealers Trust ISE Insurance Services

We’re not a call center — we’re an independent agency built to support used car dealers and independent auto dealers across the country.

✅ Specialized Experience

With decades of experience in auto dealer insurance, we understand the risks unique to used vehicle sales and service. We work with both small independent lots and multi-location dealer groups.

✅ Access to Exclusive Programs

We offer access to semi-exclusive programs designed specifically for the used car industry, including enhanced garage liability and floor plan insurance solutions.

✅ 1-on-1 Expert Guidance

Our clients enjoy direct access to licensed agents who understand your state’s requirements and your business needs. No generic policies. No guesswork.

✅ Nationwide Coverage

We provide tailored policies to dealerships in Arizona, California, Georgia, Indiana, Kansas, Missouri, Ohio, Texas, and many other states.

👉 See our Independent Auto Dealer Insurance page to explore full coverage details.

Get a Quote from the Experts in Used Car Lot Insurance

Protect your inventory. Comply with state licensing. Avoid costly liability claims.

ISE Insurance makes it easy to get the right coverage—whether you’re just getting started or reviewing your current policy.

👉 Click here to request your quote
📞 Call 916-836-8112 to speak directly with one of our experienced agents today.

ISE Insurance Services — Protecting What’s Important to You.