Auto Dealer Insurance in Nevada

Garage liability, dealer open lot, and physical damage coverage for auto dealerships, body shops, and service centers. Family Insurance LLC writes dealer insurance across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Dealer Insurance
Category	Commercial Insurance
States available	Nevada, Utah, Minnesota
Who it's for	New and used car dealerships; Auto body shops; Service and repair centers
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

Operating an auto dealership in Nevada requires specialized insurance that standard business policies don't provide. From garage liability covering test drives and customer vehicles to dealer open lot protection for your entire inventory, dealership insurance is a niche that demands industry expertise.

The Nevada DMV requires all licensed dealers to carry minimum garage liability coverage and a surety bond. Beyond compliance, your inventory of vehicles on the lot represents a significant investment that needs protection against theft, vandalism, hail, and flood.

Family Insurance works with the top dealer-specialty carriers in the country, ensuring your dealership has the coverage it needs — from small independent used-car lots to large multi-franchise operations.

Who needs this coverage

• New and used car dealerships
• Auto body shops
• Service and repair centers
• Motorcycle and RV dealers

What's included

• Garage liability coverage
• Dealer open lot protection
• Customer vehicle coverage
• Garage keepers insurance

Coverage details

• Garage Liability: Covers bodily injury and property damage arising from your dealership operations, including test drives.
• Dealer Open Lot: Protects your vehicle inventory against physical damage from fire, theft, hail, wind, and vandalism.
• Garagekeepers Insurance: Covers customer vehicles in your care, custody, or control — essential for service departments and body shops.
• False Pretense: Covers losses when a vehicle is obtained through fraud, such as bad checks or stolen identities.

Common endorsements

• False pretense coverage
• Demonstrator coverage
• Floor plan gap

Frequently asked questions

What insurance does a Nevada dealer need?

At minimum: garage liability, a surety bond, and workers' compensation if you have employees. We also strongly recommend dealer open lot and garagekeepers coverage.

Does dealer insurance cover test drives?

Yes — garage liability covers accidents during customer test drives. We can also add hired and non-owned auto for additional protection.

What is floor plan gap coverage?

If a vehicle is totaled while under a floor plan loan, gap coverage pays the difference between the insurance settlement and the remaining loan balance.

Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com