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Centered Partners | Auto Dealership Insurance
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Built by Business Operators & Advisors

Your Broker Doesn’t Know What
Happens Between the Lot and the Lane

From garage liability and open lot exposure to garagekeepers, F&I errors, and floor plan compliance — auto dealerships carry a risk profile that generic commercial policies weren’t designed for. We’ve advised, acquired, and insured businesses across complex industries. Now we’re applying that same discipline to dealer insurance.

See If You Qualify → Why This Is Different
Operators
Not Just Brokers
Full Scope
GL • Open Lot • Garagekeepers • F&I
Decades
Advising Complex Businesses
Every
Dealer Type Covered
You Already Know This

Dealership Insurance Is More Complex Than Your Broker Thinks

Your dealership isn’t a retail store. You have hundreds of vehicles on an open lot, customers test-driving your inventory, technicians operating in service bays, and floor plan lenders demanding specific coverage. Most brokers treat you like a general commercial account. That costs you money.

💰
Open Lot Exposure, Underinsured
Hail, theft, flood, vandalism — your inventory sits outdoors, worth millions, and most dealers are underinsured due to coinsurance penalties or outdated inventory limits. One weather event can be catastrophic.
⚠️
Test Drive & Demo Risk Ignored
Test drives account for a disproportionate share of dealer claims. Unaccompanied drives, overnight demos, and dealer plate usage create garage liability exposure that most brokers don’t properly address.
💻
Cyber & F&I Exposure Growing
Your F&I department handles SSNs, credit apps, and financial data daily. Wire fraud, social engineering, and data breach exposure are growing faster than most dealer policies can keep up.
📈
Floor Plan Compliance Gaps
Your lender requires specific coverage, loss payee wording, and inventory limits. A gap between what your policy says and what your floor plan requires can trigger a covenant violation.
What We Bring

Insurance Designed for How Dealerships Actually Operate

This isn’t a general commercial package with a garage endorsement bolted on. It’s a comprehensive program built around the unique risk profile of auto dealerships — from the service bay to the showroom floor to the F&I office.

🛡
Garage Liability Structured Right
We structure garage liability to properly address your demo vehicles, dealer plates, test drive policies, and permissive user exposure — the claims drivers that generic policies miss.
💰
Open Lot Sized to Your Inventory
Dealer’s Open Lot coverage matched to your actual inventory value — including seasonal fluctuations — so you avoid coinsurance penalties and have proper protection when you need it most.
♻
Garagekeepers That Protects Your Reputation
Customer vehicles in your service bay, body shop, or lot carry real liability. We place garagekeepers coverage with appropriate limits per vehicle — including coverage for high-value and luxury vehicles.
🎯
F&I Errors & Omissions
Documentation errors, disclosure failures, and compliance missteps in the F&I office create real exposure. We ensure your E&O coverage addresses the regulatory landscape dealers actually face.
📊
Floor Plan Lender Compliance
We structure your program to satisfy floor plan requirements from day one — proper loss payee wording, inventory limits, and coverage triggers that keep your lender relationship clean.
🤝
Growth & Acquisition Advisory
Adding a rooftop? Acquiring a competitor? Expanding into a new brand? We’ve advised on complex acquisitions across industries and can structure coverage that supports your growth strategy.
Scope

Every Exposure Point. One Team.

From the showroom to the service bay, from the open lot to the F&I office — we’ve mapped the full dealership risk profile and built a program to cover all of it.

✓
Garage Liability
✓
Dealer’s Open Lot / Physical Damage
✓
Garagekeepers Legal Liability
✓
Errors & Omissions (F&I / Dealer E&O)
✓
Workers’ Compensation
✓
Cyber Liability & Data Breach
✓
Property & Business Interruption
✓
Umbrella / Excess Liability
✓
Crime / Employee Dishonesty
✓
Employment Practices Liability
✓
Environmental / Pollution Liability
✓
Dealer Surety Bond
Who’s Behind This

Business Operators. Insurance Architects. One Team.

Our team has built and scaled businesses across multiple industries, completed dozens of acquisitions, and developed deep expertise in the operational risks that complex businesses face. We bring that operator’s perspective to dealership insurance — understanding not just your policies, but your business model, your floor plan dynamics, and your growth strategy.

Meet the Team →
The Process

Straightforward. Confidential. No Obligation.

Share Your Basics
Fill out the form below with your dealership’s key exposure information. No detailed applications, no loss runs, no obligation. Just enough for us to understand your operation.
Confidential Review
Our team will review your information and identify where your current program may be leaving gaps, creating coinsurance penalties, or overcharging for your actual risk.
Custom Assessment
We’ll walk you through a tailored analysis — garage liability, open lot, garagekeepers, E&O, and more — sized and structured for your specific dealership.
Your Decision
No pressure. You’ll have a clear comparison against your current program and the information you need to make the best decision for your business.
Confidential
Let’s Look at Your Dealership Coverage
Share some basics about your operation and we’ll show you what a properly structured dealership insurance program looks like for a dealer like you.
  • No detailed applications, no loss runs, no obligation
  • Confidential — your information stays between us
  • Response within 48 hours
  • Franchise, independent, and specialty dealers
  • Built by business operators, not just brokers
Tell Us About Your Dealership
Your Information

Dealership Profile

Inventory & Open Lot Exposure

Service & Operations

Current Insurance

Loss & Claims History
Have you experienced any losses or insurance claims in the last 5 years? *
That’s okay — claims don’t disqualify you. Please share a few details below so we can understand your situation. No loss runs needed at this stage.

Insurance History
Has your dealership had coverage cancelled, declined, or non-renewed in the past 3 years?

Confidential inquiry. No obligation. No spam. We’ll respond within 48 hours.
Centered Partners
Auto dealership insurance by people who understand complex businesses.
info@centeredpartners.com  |  centeredpartners.com

© 2026 Centered Partners. All rights reserved. Confidential.
✓
We’ve Received Your Information
Thank you. A member of our team will review your dealership’s details and be in touch within 48 hours with a custom assessment of your coverage program.
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