Insurance for auto dealers

It's challenging to meet the ever-changing needs of American car buyers while also keeping up with automotive technology advances. We understand that—and the other unique issues you face. Our customizable property and liability insurance solutions are written to handle the special insurance exposures you face. We can even help you prepare for the future with 401(k) plans and key person protection.

Protection now. Preparation for the future. It’s all about helping provide the types of coverage and services you need.

We can help auto dealerships:

Auto dealers choose us because we offer customized coverage plans and comprehensive risk management services.

We understand your lot is busy with customer test drives and scheduled maintenance visits. Your business insurance program should reflect the unique nature of your dealership. That’s why our agents will work with you to create an insurance plan that makes sense for your business, addressing issues such as title errors and omissions. What’s more, our experienced Safety Services staff will work with you to help improve safety on your lot and identify risks that could result in a claim. Should something happen, our claims staff will be there to help protect your bottom line.

Sentry Risk Factor

How does your dealership’s risk management program stack up? Find out with our risk assessment tool.

Significant figures

$1B+ Paid in claims

A 1964 claims payment of $69.10 to a Virginia dealership put Sentry over $1 billion in claims payments.

1992 First year

1992 was the first year Sentry Insurance a Mutual Company earned an A+ rating by AM Best.*

1994 First year

In 1994, Sentry reached the $1 billion mark in policyholder surplus.

Products for auto dealerships

Cyber liability insurance

Data breaches. While we hope they never happen to your business, they’re a potential risk. Help protect your dealership with cyber liability coverage.

Employment practices liability insurance

Protect yourself and manage risks involving employee claims against you and your business with employment practices liability (EPLI) coverage.

Dealers E&O

Protect your dealership’s bottom line from losses due to negligent errors and omissions regarding vehicle history reports, lease contracts, and more.

Business income insurance

Property damage shouldn’t result in lost income. With our business income solutions, we’ll help you get back to business as you recover from property damage.

401(k) plans and life insurance

We’re here to help you and your employees plan for the future.

Workers’ compensation insurance

With our innovative workers' compensation insurance solutions and experienced claims team, we'll help you protect your employees and your business.

Frequently asked questions (FAQs)

The cost of insurance for your dealership depends on several key factors, including—but not limited to—your loss history, number of employees, employee driving records, use of loaner vehicles, safety controls, inventory values, and your dealership’s location.

We’ll work with you to learn about your business and help you identify the coverages that make sense for your situation. To begin, we encourage auto dealers to consider the following coverages:

Many dealers can also benefit from buy-sell agreements, key person insurance, and life insurance, and offering 401(k) plans.

DOL coverage is physical damage coverage—comprehensive and collision—for your vehicle inventory being held for sale. It covers things like vehicle collisions, theft, hail and fire damage, and other scenarios that could impact vehicles on the lot.

Our customer success stories

Timely support during critical times

Sentry works efficiently to help Spectra Print recover from fire and subsequent business interruption.

Insuring for the long haul

Huff and Puff Trucking values workplace safety. So do we. Together, we’ve built a long-term relationship based on shared priorities, reliability, and trust.

A joint approach to managing claims

At Sentry, we work closely with customers like Green Bay Packaging to help determine the best outcome for workers’ compensation claims.

Cultivating a culture of safety

Operating landscaping machinery comes with its share of risks. That’s why safety is the No. 1 priority at Greenbrier Lawn and Tree Expert Co.

Building trust in a new community

When LandMark Implement experienced a large fire at their newly acquired shop, getting their new employees back to work quickly was their top priority.

Recovering quickly from a devastating tornado

While others struggled to rebuild in the wake of a tornado, Barry Grossenburg was up and running within days and doing business from a new facility in a year.

Harrison Machine & Welding offers a personal touch

Small businesses rely on personal touch as a factor in keeping customers. The same thing holds true for Sentry in providing insurance solutions for small businesses.

Related resources or services

101 guide: Essential employee coverage

Protect your company by protecting yourself and your employees.

Silent danger in the workplace

It’s colorless, odorless, and a danger for some workers. But there are things you can do to help keep carbon monoxide from becoming deadly. We have some tips.

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© 2024  Sentry Insurance, 1800 North Point Drive, Stevens Point, WI 54481 If you are using a screen reader and having difficulty, please call 800-473-6879 for assistance. *Sentry has an AM Best Financial Strength Rating (FSR) of A+ (superior), current as of June 2024. See ambest.com/ratings/guide.pdf for rating information. Transparency in Coverage Rule: Anthem Machine-Readable File

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