Insurance for used car dealers, with your dealer bond in the same place
We are an independent agency in Kansas City that specializes in used car dealers. Whether you are opening your first lot or have been selling for years, you get coverage that fits your lot, and you always know who is handling your account.
- Garage coverage and your dealer bond from one agency
- New dealers are welcome, not turned away
- Rajan and Lacey handle your account directly
What dealer insurance covers
Here is what each coverage means in plain words.
Garage liability
Covers claims for injury or damage that come from running your dealership, like a customer hurt on the lot or a wreck on a test drive.
Dealer's open lot
Covers the vehicles you own and keep on your lot if they are damaged or stolen.
Garagekeepers liability
Covers a customer's vehicle while it is in your care, for example during service or repair work.
Errors and omissions
Covers claims that a mistake in your paperwork cost a customer money, like a title or documentation error.
False pretense
Covers the loss when you hand over a vehicle and the payment turns out to be fake.
Personal and advertising injury
Covers claims that your advertising, or something you said, hurt someone's reputation.
Damage to rented premises
Covers damage you cause to a building you rent, like a fire in your office.
Medical payments
Pays medical bills for someone hurt at your location, no matter who was at fault.
These are plain-language summaries, not policy wording. What is covered depends on the carrier and your policy.
Your dealer bond, from the same agency
A dealer bond is the surety bond your state requires for your dealer license. You can get it from us along with your garage coverage, so you work with one agency and not two.
- Required by state law for dealers
- Garage coverage and license bond in one place
- New and established dealers welcome
What dealers say
I love to work with him I know him over year he take care my two companies transportation company car dealership he answer the phone really quick always he even working on weekends I’m a Lucky to work with him thank you
Very efficient service for all my trucking and used car lot Insurance.definately recommended.
Request a dealer quote
Tell us about your dealership and we will take it from there. Prefer to talk? Call or text us.
Call or text (816) 569-6611Quotes are subject to underwriting. Submitting a form or message does not bind coverage.
Dealer questions
Straight answers in plain words.
Do I need insurance and a bond to open a used car lot?
Your state sets the rules for a dealer license, and a dealer bond is part of that. Call or text us before you buy your first car, and we will walk through what you need to line up.
I am opening my first lot. Will you work with me?
Yes. New dealers are welcome here. Everyone starts somewhere, and we help first-time dealers get licensed and bonded.
What is garage liability?
Garage liability covers things that can go wrong at a dealership, like a customer wrecking a car on a test drive or getting hurt on your lot.
What is the difference between garage liability and dealer's open lot?
Garage liability covers claims made against you, like an injury or damage to someone else's property. Dealer's open lot covers the vehicles you own that sit on your lot.
What are garagekeepers?
Garagekeepers coverage applies when a customer's vehicle is in your care, for example while you service or repair it. It is for cars that belong to other people.
Can I get my dealer bond and my insurance from you?
Yes. Dealers can get their garage coverage and their license bond from the same agency, which is us.
What if a customer gets hurt on a test drive?
Garage liability is the coverage built for that. It covers claims for injury or damage that come from running your dealership, including a wreck on a test drive. What is covered depends on your policy, so we go through it with you.
What if a buyer pays with a payment that turns out to be fake?
False pretense coverage is meant for that. It covers the loss when you hand over a vehicle and the payment turns out to be fake. Ask us how it works on your policy.