Your inventory sits outside in the weather, your customers take cars on test drives, and vehicles you don't own sit in your service bay. A standard business policy doesn't reach any of that. We build dealer programs that do.
Independent broker · 50+ A-rated carriers · Floor-plan certificates & dealer bonds
Auto dealership insurance protects the pieces a standard business policy leaves exposed — your open-lot inventory, the liability that comes with test drives and service work, and the customers' vehicles sitting in your care. As an independent broker, First Underwriters places dealer programs with carriers who understand lots, showrooms, and service bays, and structures your open-lot limit to keep pace with inventory that changes every week.
Tell us what kind of dealer you are and how you operate. We'll map the core coverages and the specialty lines dealers most often miss — instantly.
Choose what fits best — the results update as you go.
Educational guidance only — your actual program depends on your inventory, operations, and lender requirements. We'll confirm the structure and limits with you.
Real-world scenarios that expose the coverage gaps dealers most often carry — totaling $4.75M. Explore each and where it broke.
The signature dealer coverages a standard business policy doesn't provide. Click through each.
Filter by category to see the dealers we protect — each with its own inventory, liability, and service exposures.
We understand the risks a dealership carries — hail on the lot, a test drive gone wrong, customers' cars in the bay, employee theft — and we place with carriers who do too.
We structure coverage to satisfy your floor-plan lender's requirements, turn certificates fast, and handle the WA motor-vehicle dealer bonds that keep you licensed.
Lot values change every week. We build programs — including reporting forms — that keep your limit matched to what's actually on the ground.
Get a coverage review and competitive quotes from a broker who understands lots, showrooms, and service bays — and structures your program around how you actually operate.
Prefer email? Reach us at info@firstunderwriters.com · Free consultation, no obligation
Coverage descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder. Availability, eligibility, terms, limits, deductibles, and pricing vary by dealership, inventory, operations, loss history, and carrier and are subject to underwriting. Claim scenarios and figures are illustrative examples, not guarantees. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
