Protect the continuity of auto dealers operations.
A continuity plan should look beyond physical repairs. For auto dealers, recovery can depend on vehicle sales, financing, title work, inventory storage, test drives, service, repair, towing, loaners, and digital transactions, as well as timely access to people, data, equipment, suppliers, utilities, and customers.
Recovery dependencies to map
- Alternative sales, service, and vehicle-storage locations
- Dealer-management-system and customer-record restoration
- Inventory relocation before severe weather
- Parts, diagnostic equipment, utility, and vendor dependencies
Values and timelines to test
- Average and peak inventory by location and vehicle type
- Building, signs, tools, diagnostic equipment, parts, and improvements
- Customer vehicles in the dealership's care
- Owned autos, loaners, demonstrators, and mobile equipment
Questions to resolve
- Average inventory limits below seasonal or financed peaks
- Garage liability confused with garagekeepers protection
- Dealer errors and omissions, cyber, or crime exposures left unreviewed
Frequently asked questions
Why can the recovery period exceed the repair period?
Permitting, equipment lead time, installation, testing, supplier delays, staffing, customer communication, and the return to normal revenue can continue after physical repairs are complete.
What should auto dealers review after a major change?
Locations, operations, values, payroll, vehicles, contracts, vendors, revenue, and controls should be revisited when the business changes materially rather than waiting automatically for renewal.
These planning points are general and are not a guarantee of coverage, pricing, eligibility, or loss prevention. Actual policy language, underwriting requirements, and available terms control.