Dealership Insurance

Dealerships operate in a dynamic and increasingly complex risk environment. Rising litigation, weather-related losses, workforce pressures and technology-driven exposures are creating new challenges for owners and operators. As these risks evolve, so do the needs of the businesses that support the ecosystem.

Gallagher delivers tailored dealership insurance and risk management solutions for a wide range of clients, including:

Franchised auto and truck dealerships
Independent car dealerships
Truck and commercial vehicle dealers
Motorcycle, powersports and RV dealers

Automotive service and repair operations
Equipment and implement dealers
Boat and marine dealerships

Our dealer practice includes dedicated specialists and risk professionals with deep experience across the dealership sector. We take a proactive, client-centered and consultative approach, working closely with you throughout the policy lifecycle to assess exposures and design solutions that align with your business goals.

Dealership insurance solutions built for your operations

Trucks lit by the setting sun. Travel plaza

Gallagher delivers customized dealership insurance programs that reflect your unique operations, locations and risk appetite. Our solutions span both property and casualty insurance for dealerships, helping protect your assets and manage liability exposure.

Whether you operate a single-point location or dealership group, we create comprehensive solutions to address traditional and emerging risks across your organization.

Property and inventory protection for dealers

Your physical assets represent a significant investment. We design dealers open lot insurance and property coverage for dealerships that reflect current values, storage conditions and exposure to environmental risks such as hail, flooding and severe weather events.

Garage and auto liability coverage

Dealerships face unique liability exposures arising from daily operations, vehicle test drives and customer vehicles in their care. Our tailored insurance solutions combine garage liability, garagekeepers and commercial auto coverages, providing comprehensive liability protection for every part of dealership operations.

Workforce and management solutions

We help safeguard your employees and leadership team through comprehensive workers' compensation, employment practices liability and management liability solutions. These coverages are supported by proactive safety, compliance and risk control strategies designed to reduce claims, mitigate exposures and improve long-term loss performance.

Cyber and emerging risk coverage for dealership operations

As operations become more connected, dealerships face increased exposure to cyber attacks, ransomware and data breaches. Our cyber insurance solutions for dealerships help protect your systems, your customers and your business continuity.

Dealership Finance and Insurance (F&I) solutions for performance and risk

Finance and Insurance (F&I) operations are a key driver of dealership profitability, but they also introduce complex compliance and operational risks. Gallagher helps you strengthen F&I performance while managing exposure, aligning your programs to support revenue growth and
operational stability.

We support the full F&I lifecycle, including coverage for vehicle service contracts and warranty programs, along with guidance on program structure, vendor relationships and regulatory compliance.

Integrated dealership insurance and risk management services

Insurance is only one part of managing risk effectively. Gallagher provides a broad set of services that help dealerships operate more efficiently and reduce exposure across your business.

Risk management and loss control

Our team provides environmental health and safety support, exposure analysis, forecasting and compliance guidance to help identify risks before they become losses and improve overall dealership risk management.

Claims management and advocacy

We provide in-house claims advocacy and analysis to help improve outcomes and reduce total cost of risk. This proactive approach ensures your claims are managed efficiently and aligned to your broader strategy.

Workforce and business support solutions

Gallagher supports dealerships with services that strengthen your broader business operations, including employee benefits, retirement and financial wellbeing solutions, payroll services and workforce strategies. These programs are designed to improve employee experience, support retention and enhance organizational performance.

Alternative risk and captive solutions

As insurance costs increase, many dealerships are exploring alternative structures. Our team helps you evaluate and implement captive insurance programs and deductible strategies that provide greater control over long-term costs.

Data and analytics that turn insight into action

Effective dealership risk management demands real-time visibility, actionable insights and informed decision-making. Gallagher's suite of proprietary data and analytics capabilities equips you with the tools you need to anticipate risk, optimize your program and drive long-term performance.

CORE360™ is our framework for managing your total cost of risk. We analyze key drivers, including claims performance, coverage structure and operational exposures, to uncover gaps, prioritize actions and align your insurance strategy to your business goals.
Our advanced modeling and benchmarking tools provide deeper insight into how your business performs relative to peers. Through data modeling, catastrophe exposure analysis and loss trend reporting, we help you better understand where risk exists and how it may evolve over time.
Gallagher Drive®, our proprietary analytics platform, delivers intuitive dashboards, real-time reporting and decision-support tools. It helps you monitor risk, track performance and identify opportunities to reduce insurance costs while improving visibility and control.

Empowering your dealership to move forward with confidence

The dealership landscape is evolving rapidly. From digital transformation to changing consumer behavior and new vehicle technologies, risks and opportunities will continue to shift. Gallagher helps you stay ahead with a proactive, integrated approach to dealership insurance and risk management that minimizes uncertainty, protects your assets and positions your business for sustained growth.

Christopher Schrementi

Managing Director — Dealerships

Elk Grove Village, IL

Phone Number (708) 269-1434

Dealership Insurance Summary

Customized dealership insurance solutions for inventory, liability and emerging risk protection
Alternative risk and captives for dealership clients
Access to benchmarking and loss control strategies
Claims management and advocacy for improved claims processing and outcomes

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Dealership Insurance

Protect your inventory, manage risk and control costs with dealership insurance solutions built for the realities of modern dealership operations

Start your journey with us today.