Independent Auto Dealer Insurance

Serving Dealers in Over 30 States Nationwide | 17+ Years of Industry Expertise

Protect Your Dealership With Coverage You Can Rely On

Whether you sell used cars, new vehicles, or specialty inventory, independent auto dealerships face unique risks. From test drives and dealer plates to on-lot inventory and customer liability, your insurance program must be comprehensive and dealership-specific.

At ISE Insurance Services, we’ve been helping independent auto dealers safeguard their businesses for over 17 years. We understand your operations — and the exposures that come with them. Our tailored coverage programs help protect your assets, reputation, and bottom line.

🔧 Essential Coverages for Independent Auto Dealers

Your business requires more than just basic protection. Our customized policies may include:

✅ Garage Liability Insurance

Protects your business from liability related to customer injuries, property damage, and accidents occurring during test drives or on your lot.

✅ Dealers Open Lot (DOL) Coverage

Covers physical damage to vehicles held for sale — including losses from theft, vandalism, hail, or collision.

✅ Errors & Omissions (E&O) Insurance

Helps protect your dealership against legal claims stemming from paperwork errors, title discrepancies, odometer rollbacks, or misrepresentations.

✅ Garagekeepers Legal Liability

If your dealership offers repairs, maintenance, or detailing services, this coverage protects customer vehicles while in your care.

✅ Commercial Property Insurance

Safeguards your building, signage, office equipment, and other physical assets from fire, storm, or theft.

✅ Dealer Plate Coverage

Coverage for vehicles operated under dealer plates — essential for test drives, temporary use, or transporting vehicles between lots or auctions.

🌎 Licensed in Over 30 States — Local Knowledge, National Reach

Born on the West Coast, ISE Insurance Services now supports independent auto dealers in over 30 states. Whether you operate in California, Texas, Florida, Oregon, Georgia, Arizona, or beyond — we’ve got you covered.

🔗 Explore our most popular dealership and garage-related programs:

💼 Why Choose ISE Insurance Services?

17+ Years of Experience: We’ve been protecting dealers like you since 2007.
Specialized Expertise: We understand the dealership space — from BHPH to franchise-level risks.
Nationwide Carrier Access: We work with top-rated insurers to find the best fit for your business.
No Call Centers: Real agents. Real advice. Real service.
Fast Certificates & Policy Changes: We know time is money in your business.
Risk Management Support: We help reduce claims, not just respond to them.

📍 Let’s Get You Covered

Running an independent dealership means wearing many hats — don’t let insurance be one you wear alone. Partner with a broker that knows your business and advocates for your protection.

Contact us today for a no-obligation quote or a free coverage review.

🛡️ ISE Insurance Services — We Protect What’s Important to You.

📘 FAQs: Independent Auto Dealer Insurance

Q: Do I need Dealers Open Lot if I lease the lot?
A: Yes — even if you lease the property, you’re responsible for the inventory on-site. Dealers Open Lot covers physical damage to those vehicles.

Q: What’s the difference between Garage Liability and General Liability?
A: Garage Liability includes premises and operations like test drives, unlike General Liability which is more limited. Read more here »

Q: Can I cover multiple lots under one policy?
A: Often, yes. We can help structure your policy to reflect all business locations under a single program if allowed by the carrier.