Auto Dealerships

Auto dealers contend with threats to expensive inventories that are exposed, quite literally, to distinct environmental and human dangers. Add to that the evolving challenge of keeping compliant with state regulations. Operating a lucrative dealership takes experience.

So does keeping it safe.

That’s where we take the wheel. Our experience comes from serving more than 350 franchised and independent auto dealers in Texas. We know that keeping your business protected from costly claims and higher insurance rates involves more than an insurance policy. That means avoiding claims so your insurance never gets triggered.

Not only do we place your coverage with an insurer that offers policies crafted for auto dealers, we also help control your losses by providing risk management programs refined over years of implementation. These programs are directed by our Higginbotham employed Loss Control Specialists.  We put programs in place after accessing your areas of risk and use methods that combine education, training, communications, audits and quarterly reviews to make adjustments. And should you have a loss, we help resolve your claim efficiently and look for patterns that can be broken to prevent future losses.


Common Car Dealership Coverages

  • Auto inventory and Garage Keepers

  • Garage Liability

  • Commercial Auto
  • General Liability

  • Employment Practices Liability
  • Errors & Omissions

  • Dealer Open Lot
  • Workers’ Compensation


Risk Management

  • Hiring protocols

    • Background investigations

    • Drug screenings

    • Physicals

    • MVR reports

  • Auto accident prevention for mechanics and customer test drives

  • Theft prevention

  • Employee and customer injury avoidance

  • OSHA and regulatory compliance

  • Workers’ Compensation coordination