Garage Liability | Dealer Open Lot | Bonds | Affordable Dealer Packages
Independent dealers power the Midwest’s used car market — small lots, local buyers, and the hustle that keeps cars moving. But one accident, storm, or claim can throw everything off track.
At Catanzaro Insurance, we specialize in helping independent auto dealers in Ohio, Indiana, and Illinois get the right protection — fast, affordable, and built for your lot’s reality.
✅ Coverage Built for Independent Dealers
Garage Liability Insurance
Required for your dealer license. Covers injuries or property damage caused by your operations — test drives, customer visits, or accidents with dealer plates.
Why it matters:
This isn’t a “repair shop” policy. Independent lots need a garage liability form written specifically for dealers — so claims are covered correctly.
Dealer Open Lot (DOL) / Inventory Coverage
Protects your for-sale vehicles from:
-
Fire, theft, or vandalism
-
Wind and hail damage
-
Accidental damage during demos or transport
Add False Pretense Coverage for scam buyers or title fraud — it’s an inexpensive safeguard that saves thousands.
Garagekeepers Legal Liability
If you detail, service, or store customer cars, this covers damage while those vehicles are in your care — including fire, weather, or lot damage.
Dealer Bond (Surety Bond)
Required by the state to hold your dealer license.
Most independent dealers qualify for bonds between $250–$400 per year depending on credit.
Optional Protection
-
Errors & Omissions (E&O): Covers title paperwork or sales misrepresentation claims.
-
Cyber Liability: Protects your customer and payment data.
-
Umbrella Liability: Boosts your limits across all policies.
🏁 Why Independent Dealers Choose Catanzaro Insurance
-
⚡ Fast, Simple Process: Get your quote and paperwork fast — we know dealer licensing deadlines.
-
💬 Dealer Expertise: We help you meet BMV, lender, and audit requirements with no confusion.
-
💼 Flexible Packages: Designed for small and medium-sized lots — affordable and compliant.
-
📍 Local Knowledge: Based in Ohio, serving dealers across Ohio, Indiana, and Illinois.
💡 Real-World Example
A small independent lot’s inventory is damaged in a summer hailstorm.
Dealer Open Lot Coverage pays for the repairs — protecting both the dealer’s cash flow and their lender relationship.
📞 Get an Independent Dealer Insurance Quote
Protect your lot, your vehicles, and your license with coverage built specifically for independent auto dealers.
📞 Call 614-489-8383 (Press 1 for Anthony)
📧 Email info@catanzaroinsurance.com
Or complete the short form below for your quote.
We’ll review your current setup, identify coverage gaps, and deliver a complete, floor plan–ready package — fast.
👉 Learn more about dealership coverage here.