Exposures to discuss
- Hail, wind, flood, and other catastrophe damage
- Theft, vandalism, and false-pretense concerns
- Collision while inventory is moved
- Peak inventory values and location concentration
Auto Dealers · Dealers Open Lot
Dealers Open Lot Insurance
Physical damage planning for dealership inventory exposed to weather, theft, collision, and lot concentration.
Connect the coverage to the operation
Vehicle inventory can change quickly and may be concentrated at one or several lots. Dealers open lot planning should reflect peak values, financed inventory, catastrophe exposure, security controls, deductibles, and how vehicles move between locations.
Information to prepare
- Average and maximum inventory values
- Lot addresses, protection, lighting, and security
- Vehicle types and high-value units
- Floor-plan or lender insurance requirements
Build a clearer submission
Accurate operational details, current values, loss history, and contract requirements help clarify the risk. Policy terms, limits, exclusions, eligibility, and availability vary by account and market.