Our custom insurance solutions address your unique risks.

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Insurance & Risk Management for Auto Dealers

Not many operations possess the number of moving parts that auto dealerships are faced with – from selling, to servicing, repairs, maintenance and providing financing and insurance. As a dealership owner, this means you face far greater risks than many other business operations. Arroyo is in a unique position, with dealership specialists on staff to help identify your risks and deliver the broadest protection while negotiating the best pricing for you. Our program coverage and pricing is exclusive to Arroyo and designed for franchised and independent auto dealers. 

How We Cover You

Our tailored and flexible policies are designed to handle the special insurance exposures auto dealers like you face. We understand your dealership is busy with customer test drives and scheduled maintenance visits that present unique exposures. We also understand that mistakes can be made while completing loan or lease papers or regarding a vehicle’s history, putting you and the dealership in the hot seat without the right protection.


We have products to protect your inventory, showroom and service area and your organization and staff against a broad range of liability risks. Our auto dealership insurance solutions include:

  • Garage Liability
  • General Liability
  • Commercial Umbrella & Excess Liability
  • Auto Inventory and Garagekeepers
  • Dealer Open Lot
  • Property
  • Business Interruption
  • Earthquake & Flood
  • Crime
  • Cyber Liability
  • Employment Practices Liability
  • Dealers Errors & Omissions Liability
  • Dealership Pollution Liability
  • Owners Contractors Protective
  • Workers Compensation

Our staff will also help you with minimizing your risk with sound loss control strategies and proactive measures whose goals are to reduce the frequency and severity of losses and improve your bottom line. From safety management implementation to assessing environmental hazards and HR best practices, Arroyo helps drive optimum performance for your dealership.