Auto and Truck Dealer Insurance Brokerage & Coverage

Auto and Truck Dealer Insurance

Let’s protect your inventory, employees and reputation.

Connect With a Broker

Protect your dealership from rising risks with coverage tailored to your business needs

From test drives and lot damage to cyberattacks and employee claims, auto and truck dealerships face complex and evolving risks. Franchised and independent dealers require insurance strategies that account for inventory, operations and threats such as false pretense fraud and litigation.

HUB works with dealerships across Canada and the U.S. to deliver customized insurance solutions, actionable risk insights and experienced claims advocacy. Whether you sell new or used vehicles, service fleets or operate multiple locations, we’ll help you manage risk and protect your business. HUB is the exclusively endorsed broker of the Canadian Automobile Dealers Association (CADA), offering the CADA 360 auto and home insurance program.

Comprehensive insurance solutions for every type of dealership

From floor plans and finance and insurance (F&I) departments to electric vehicle (EV) and supplier partnerships, we understand the dealership model and will deliver programs aligned with how you run your business. HUB’s transportation insurance specialists understand the complexities of auto and truck dealerships and provide solutions to keep your operations running efficiently.

We support clients across North America, including:

Franchised auto dealerships
Truck and trailer dealerships
Multi-location dealership groups
Dealerships with service, parts or reconditioning operations
Dealerships expanding into EV sales and infrastructure

With specialised auto and truck dealer solutions, our team provides clients with:

Deep expertise in auto, truck and mixed-use dealerships
Access to top insurers and dealer-specific programs
Proactive risk management support
Claims advocacy from specialists who understand your business

Contact a HUB broker to develop a customised auto and truck dealer insurance program for your business.

Strategic risk and insurance programs for auto and truck dealers

Our dealership insurance specialists build plans tailored to your operation, from large lots to service bays, digital systems to customer contracts.

Business Insurance

Auto Inventory (Open Lot) Coverage
Business Interruption Insurance
Business Owners Policy
Commercial Auto Insurance
Commercial Property Insurance
Crime Insurance
Cyber Liability Insurance
Dealer’s Physical Damage
Directors & Officers
Employment Practices Liability (EPL) Insurance
Environmental & Pollution Liability
False Pretense Coverage
Garage Liability
General Liability Insurance
Hired and Non-Owned Auto
Lessor’s Risk
Occupational Accident
Physical Damage
Surety Bonds
Towing Coverage
Umbrella / Excess Liability
Warehouse Legal Liability

Employee Benefits

Risk Management Services

Claims Advocacy and Support
Cybersecurity Awareness Training
Dealership Risk Assessments
Environmental Risk Guidance (e.g., waste disposal, EV battery handling)
Regulatory Compliance Reviews (including provincial workers’ compensation and privacy laws)
Safety Program Development

Safeguard your dealership against risk

A specialised insurance program protects your inventory, operations and people while supporting long-term profitability. Whether you manage a single location or a multi-site group, HUB’s auto and truck dealer specialists are here to help.

Connect With a Broker

Auto and Truck Dealer Insurance FAQs

What is auto and truck dealer insurance?

Auto and truck dealer insurance is a specialised insurance program designed for dealerships that sell, lease or service vehicles. It covers unique risks, such as lot damage, test drives and liability from customer interactions.

Why do dealerships need open-lot insurance?

Open-lot insurance covers physical damage to vehicles held for sale, from weather events, theft, vandalism or collisions.

What’s the difference between garage liability and general liability?

Garage liability coverage protects against accidents arising from operations such as test drives and service work. General liability covers non-vehicle-related incidents, like slip-and-fall accidents in the showroom.

How does dealer insurance protect against cyberattacks or fraud?

Cyber liability insurance protects your dealership’s digital systems and customer data. It also helps protect against scams, such as phishing, ransomware and false pretense fraud.

What is false pretense coverage, and why is it important?

False pretense coverage protects against financial loss when a person willingly transfers a vehicle under fraudulent terms, such as fake identities, bad cheques or misrepresented financing.

Does dealer insurance cover test drives or vehicle transport?

Yes. With proper garage liability or contingent physical damage coverage, you can protect your vehicles during test drives, delivery or transit between dealership locations.

Is there specialised insurance for EV dealers and suppliers?

Yes. Tailored coverage is available for electric vehicle (EV) sales, charger infrastructure, battery handling and evolving compliance requirements.

How much does dealership insurance cost?

The cost depends on your dealership’s size, location, inventory value and risk profile. HUB brokers can provide quotes aligned with your specific needs.