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Comprehensive Auto Dealer Insurance Solutions by Marlow Campbell Insurance Group

Secure Your Business in North Carolina with Tailored Auto Dealer Insurance

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Many years in business

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Multiple coverage options to choose from

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Auto Dealer Insurance Provided By Our Agency

Operating an auto dealership involves many responsibilities, from managing inventory to ensuring workplace safety and providing exceptional customer service. To help you focus on your customers' needs, Marlow Campbell Insurance Group offers robust insurance solutions to match your evolving business requirements.

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General liability
Commercial property Coverage
Workers’ Compensation
Commercial umbrella
Business interruption

General liability coverage

Risk Factors

All businesses, regardless of industry, face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance (or CGL). If your business is sued, you could end up facing fees totaling hundreds of thousands of dollars (or more).


CGL insurance covers some risks: Bodily injury, Property damage, Medical payments, Legal Defense and judgment, and Personal and advertising injury. Having an acceptable CGL policy to help compensate for these damages is the only way to prevent this type of event from devastating your business.

Commercial property coverage

Risk Factors

The value of your commercial property is substantial. If an unexpected disaster occurs, such as a major storm or fire, and that disaster destroys some or all of your automobiles, it may be enough to put you out of business.


As the owner of a car dealership, you should carry commercial property insurance with limits high enough to account for the high value of your inventory.

Workers’ Compensation coverage

Risk Factors

Carrying workers’ comp insurance is essential to being an employer, and most states legally require it.


Not only does carrying this insurance keep you in legal compliance, but it also ensures that your employees can get the medical care they need for any job-related injuries. In addition, your workers’ comp policy will cover medical care and lost wages if employees cannot work due to their injuries.

Commercial umbrella coverage

Risk Factors

Commercial umbrella insurance sits on top of a general liability insurance policy, picking up where the general liability policy's limits left off.


In a situation where your general liability policy limits are exceeded, such as if you lose a significant lawsuit, you can depend on the umbrella policy to take over and pay the damages until the limits of the umbrella policy are reached.

Business interruption coverage

Risk Factors

If a significant event causes your business to shut down, like, after a tornado or other major disaster, you may end up with nothing.


Business interruption insurance would help to cover your business expenses and potential lost income during the downtime.

Dealer Garage Insurance: Essential Protection for Auto Dealers in North Carolina

Motor vehicle dealers must carry dealer insurance in nearly every state, including North Carolina. Before obtaining a dealer license, most states require proof of this insurance. The "Dealer Garage Insurance Policy" is crucial for protecting your vehicles during transport to and from auctions and safeguarding your customers while they test drive your cars. Additionally, this policy covers incidents like customer injuries on your lot. This comprehensive coverage is aptly named a garage policy because it protects both your "garage" and its immediate surroundings. Even if you have insurance for another business, a specific dealer garage insurance policy is essential for customers driving your demonstration vehicles.

Depending on your state's requirements, you may need only a basic liability policy or a more comprehensive coverage. It's vital to check with your state dealer license bureau to ensure you meet the minimum legal requirements in North Carolina.

Who Benefits from Auto Dealer Insurance in North Carolina?

  • Motor Vehicle Dealerships
  • Trailer Dealerships
  • Truck Dealerships

Coverage Options for Auto Dealer Insurance in North Carolina

At Marlow Campbell Insurance Group, we take the time to understand your business and help you identify the coverages that best suit your needs. We recommend auto dealers consider the following coverage options:

  • General Liability
  • Auto Liability
  • Building Insurance
  • Business Income Loss Coverage
  • Crime Coverage
  • Employee Theft Coverage
  • Cyber Liability Coverage
  • Workers' Compensation
  • Umbrella Liability
  • Products Coverage
  • Dealers' Errors and Omissions (E&O)
  • Employment Practices Liability
  • Pollution Coverage

Determining the Cost of Auto Dealer Insurance in North Carolina

Insurance for auto and truck dealerships is designed to protect your business, employees, and inventory. The cost of commercial auto dealer insurance in North Carolina depends on various factors, including the size of your dealership, specific risks, and the coverage amounts and deductibles you choose. Often, bundling different types of auto dealer insurance coverages can lead to cost savings.

At Marlow Campbell Insurance Group, we offer comprehensive risk assessments and tailor insurance program costs to best protect your business. Contact us today to learn more about how we can safeguard your dealership in North Carolina.

Already have Auto Dealer Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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