Insurance by industry
Dealership Insurance
Dealers need coverage for inventory on the lot, customers on test drives and the service department.
Coverage built around your work
No two businesses are exactly alike, even in the same industry. We start by learning how you operate, where you work and what contracts or regulations apply, then compare options from the insurance companies we represent.
The policies on the right are a common starting point. We’ll help you decide which ones you need and at what limits.
Typical risks for dealership businesses
- Inventory on the lot, including open-lot theft and hail
- Customers and employees on test drives
- Garage and service-department exposures
- False pretense and title-related crime risks
Common claim examples
Generic illustrations—not predictions about your business.
- Hail damages dozens of vehicles on the lot
- A customer on a test drive causes a third-party accident
- A service bay fire damages cars in for repair
- A buyer absconds with a vehicle under false pretense
Key coverages we often discuss
- Dealer inventory / open-lot physical damage
- Garage liability and garagekeepers
- Property and crime coverage for the dealership
- Workers' compensation and commercial auto
Quick quote
Start your quick quote
Tell us about your business in our business (general liability) quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
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FAQ
Frequently asked questions
What does Dealership Insurance typically cover?
Dealers need coverage for inventory on the lot, customers on test drives and the service department. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for dealership coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Why does dealership insurance look different from a generic business policy?
Industries carry different risks — equipment, customers on-site, professional advice, vehicles or specialized contracts. We start with how you operate, then match coverages and carriers to that work.
Can you help if a contract asks for specific limits or a certificate?
Yes. Share the contract requirements and we’ll help align coverage where markets allow, and our service team can issue certificates of insurance for clients when needed.
Dealership Insurance near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.