Auto Dealership Insurance in Ohio, Indiana & Illinois

Running a dealership means managing inventory, employees, and compliance — all while protecting your business from risks that could wipe out months of profit. Whether you’re an independent used car lot or a franchise dealer, the right insurance isn’t optional — it’s required by your state and your floor plan lender.

At Catanzaro Insurance, we specialize in auto dealership insurance for Ohio, Indiana, and Illinois. We understand dealer plate regulations, BMV and licensing requirements, and what lenders look for before funding your lot.

We make the process fast, simple, and compliant — so you can focus on selling cars, not managing paperwork.

✅ What Coverage Do Auto Dealers Need?

Garage Liability Insurance

Protects against injuries or property damage related to dealership operations — including test drives, customer visits, and accidents involving dealer plates.

Pro Tip:
Not all garage policies are written the same. Make sure yours is specifically designed for auto dealers, not repair shops or service garages. It makes all the difference when there’s a claim.

Garagekeepers Legal Liability

Covers customer vehicles left in your care — during appraisals, detailing, or consignment.
Includes protection for:

Fire or weather damage
Theft or vandalism
Lot incidents involving customer vehicles

Dealer Open Lot (DOL) / Inventory Coverage

Protects the cars you have for sale against:

Hail, wind, and fire
Theft or vandalism
Accidental damage during demos or delivery

Ask us about False Pretense coverage — it protects you against scam buyers and fraudulent title transfers, which are on the rise across the Midwest.

Dealer Bond (Surety Bond)

Required by the Ohio BMV (and equivalent boards in IN & IL) to maintain your dealer license.
If you have good credit, most dealer bonds start around $250 per year.

Workers’ Compensation

If you have employees, Ohio requires coverage through the BWC (Bureau of Workers’ Compensation).
For Indiana and Illinois dealers, we’ll quote competitive private-market comp options to keep your costs predictable.

Optional But Smart Add-Ons

Errors & Omissions (E&O): Covers paperwork mistakes, title issues, or misrepresentation claims.
Cyber Liability: Protects you if customer or payment data is stolen.
Umbrella Liability: Adds extra protection beyond your base policies.

🏪 Who We Help

We work with all types of Midwest dealerships, including:

Independent Used Car Dealers
Franchise / New Vehicle Dealers
RV & Trailer Dealerships
Multi-location Operators
New Licensees or Startups
Dealers with prior claims or tough underwriting

Need to meet a lender’s specific floor plan or state requirements? We’ll make sure your insurance package passes with no red flags.

💼 Why Dealers Choose Catanzaro Insurance

✅ Dealer-Focused Packages: Tailored for BMV, floor plan, and franchise compliance.
⚡ Fast Turnaround: Quotes and bindable coverage in hours, not days.
💬 Real Support: Talk directly to someone who knows dealer insurance.
📍 Regional Expertise: Based in Ohio, serving Ohio, Indiana, and Illinois.

We help dealers make confident, informed decisions — and stay audit-ready year-round.

🔗 Explore Dealer Coverage by Type

If your dealership focuses on a specific segment, explore our dedicated pages for tailored coverage:

📞 Get a Quote

Protect your business, your employees, and your inventory with coverage designed specifically for auto dealers.

📞 Call 614-489-8383 (Press 1 for Anthony)
📧 Email info@catanzaroinsurance.com
Or fill out the short form below to get started.

We’ll review your setup, identify gaps, and provide a complete dealer-ready quote package.