What is dealer open lot insurance?

Dealer open lot insurance covers vehicles on your lot against physical damage from weather, fire, theft, and vandalism. It\'s a critical coverage for any auto dealership.

What is garagekeepers liability?

Garagekeepers liability covers damage to customers\' vehicles while they are in your care, custody, or control — such as during a service appointment or test drive.

Do I need separate coverage for test drives?

Test drive liability is typically covered under garage liability insurance. However, you should confirm the specific terms of your policy with your insurance agent.

How much does auto dealer insurance cost in Oregon?

Premiums vary based on the size of your inventory, number of employees, and claims history. Contact Gerald Ross Agency for a personalized quote.

What coverage do I need for a used car dealership?

Used car dealerships need the same core coverages as new car dealerships — dealer open lot, garage liability, garagekeepers, and commercial auto. The specific limits and premiums may differ based on your inventory value.

Auto Dealer Insurance

Dealer Open Lot, Garage Liability & Comprehensive Coverage for Oregon Auto Dealers

Get A Quote (541) 469-3144 Or Get A Free Quote

Auto Dealer Insurance

Dealer Open Lot, Garage Liability & Comprehensive Coverage for Oregon Auto Dealers

Get A Quote (541) 469-3144

Or Get A Free Quote

About Auto Dealer Insurance

Auto dealerships face a unique set of insurance risks — from the vehicles on your lot to the test drives, service work, and financing activities your business performs. Standard commercial insurance is rarely sufficient for the complex exposures of an auto dealership.

Gerald Ross Agency works with carriers that specialize in auto dealer insurance, helping dealerships in Oregon Coast find comprehensive coverage including dealer open lot, garage liability, and garagekeepers insurance.

Get A Quote (541) 469-3144

Why Choose Gerald Ross Agency?

Independent agency — we work for you
50+ top-rated insurance carriers
Licensed Oregon agents
Serving Oregon Coast since 1937
Competitive rates through market comparison
Personalized service and claims advocacy

Related Commercial Coverage

Commercial Auto General Liability Workers\' Compensation Commercial Property

What's Covered

Dealer Open Lot

Covers vehicles on your lot against damage from weather, fire, theft, and vandalism.

Garage Liability

Covers bodily injury and property damage claims arising from your dealership operations.

Garagekeepers Liability

Covers damage to customers\' vehicles while in your care, custody, or control.

Commercial Auto

Covers vehicles used in your business operations, including dealer plates and loaner vehicles.

Workers\' Compensation

Covers medical expenses and lost wages for employees injured on the job.

Business Interruption

Replaces lost income if your dealership is forced to close temporarily.

Get A Free Quote

50+

Insurance Carriers

1937

Serving Oregon Since

Office Location

Licensed States

How to Get Coverage

Contact Us or Request a Quote

Call Gerald Ross Agency at (541) 469-3144 or submit an online quote request. Our agents will gather details about your business and coverage needs.

We Shop Multiple Carriers

As an independent agency, we compare rates from 50+ top-rated insurance carriers to find the best coverage at the most competitive price for your business.

Review Your Policy

We'll walk you through your coverage options, explain what's included, and help you choose the right policy limits and deductibles for your situation.