Pop, pop, pop! BANG! Bullets fly across the sky, and chaos, confusion, and panic erupt. Unfortunately, active shooter/active assailant incidents are a more prevalent reality in the United States than ever before. These unfortunate events occur wherever large groups of people gather. The perpetrators often target high-profile areas such as parades and festivals, school systems, churches, and high-volume retail centers such as shopping malls and car dealerships. There appears to be no place that is immune from a potential attack. For many business owners, the fear is if and how our insurance po ..read more

Mistakes happen! And if a dissatisfied customer believes your dealership did not meet its professional standards, you can be sued. What Does Professional Liability Insurance Cover? Professional liability insurance, also known as errors and omissions coverage, helps protect your dealership from claims of negligence, mistakes, misrepresentation, and inaccurate advice. Essentially, this policy provides coverage to your dealership when you or an employee make a mistake or an error costing a significant amount of money to your customer. The most common claims for negligent violations include truth ..read more

No matter the size of your dealership or the types of vehicles showcased, you have exposure to unique challenges that other business owners might not face. Maintaining a safe working environment and shielding yourself against liability claims are important and necessary goals for your dealership. Even with effective and efficient precautions, you cannot protect your employees from every accident or incident. From slipping on a slick service floor to being clipped by a vehicle on a test drive, a significant injury can financially crush a dealership.  Workers’ Compensation Insurance for Ca ..read more

In the dealership arena, inventory is one of your most precious assets. It is the vehicle (no pun intended) that entices customers to your dealership. The lure of that specific car and the advertisements surrounding the merits of your dealership are what stimulate sales. Therefore, without an inventory of cars and trucks to sell, your revenue stream becomes hindered. Thus, securing your ‘’goods’’ with inventory coverage is vital. Inventory Coverage Challenges  While insuring inventory appears simple, it can be tricky. The dealership insurance industry often places several obstacles on se ..read more

Mishaps and accidents happen at dealerships. And, sometimes even the most insignificant incident turns into a financially devastating multi-million-dollar lawsuit that can place your hard-earned assets in jeopardy. Protecting your dealership means preparing and planning for the worst-case scenario. For example, suppose a customer suffers an injury on the property and sues your dealership. Or, your parts driver is involved in an accident with injuries to multiple people. What happens if the judgment exceeds your policy limits? How will you offset the remaining balance? Standard policies help p ..read more

Employee dishonesty, embezzlement, theft, and property damage can happen to a business of any size, including your dealership. Since auto dealers regularly manage large financial transactions, there is also an elevated risk for forgery, fraud, data breaches, and hacking. The consequences of these crimes can be financially devastating and lead to severe reputational harm. Ordinarily, these types of claims do not register on most dealers’ daily radars. It is only when the loss occurs that dealers become alerted to factors such as limits, deductibles, and coverage forms. If your dealership has f ..read more

Today’s attention-grabbing headlines and viral social media stories are overflowing with employment-related scandals. From Hollywood studios and sports arenas to political offices and business boardrooms, allegations of harassment and discrimination are increasing in frequency, severity, and publicity. In the past, employers and employees quietly handled workplace conflicts. Family and friends might know about a scandal, and any lawyers hired, but few others would be aware of the claim. Today, a significant portion of the country can become aware of the discriminatory conduct when broadcasted ..read more

From an insurance perspective, every business has a unique set of exposures. Business owners within the automotive industry are undoubtedly different than manufacturers or owners of other retail operations. For Auto Dealers, Garage Liability Insurance protects your business from unwanted outcomes that may arise. Garage Liability Insurance 101 Garage Liability Insurance originated by combining a General Liability policy with a Business Auto policy and adding a series of enhancements. It provides coverage for third-party injuries or property damages resulting from the daily operations of your g ..read more