Running a dealership means managing more than just cars on the lot—you also handle vehicles in transit, tools and equipment used offsite, and parts stored at multiple locations. Standard property or garage policies don’t always cover these situations. That’s where inland marine insurance for dealerships comes in.
What is Inland Marine Insurance for Dealerships?
Inland marine insurance is designed to protect property that moves or is used away from your dealership location. Unlike a standard property policy, which only covers what’s inside your building, inland marine follows your assets wherever they go—during transport, storage, or offsite use.
Why Dealerships Need Inland Marine Coverage
1. Protects Vehicles in Transit
Cars, trucks, or specialty vehicles shipped from manufacturers or transported between locations face risks of theft, collision, or damage. Inland marine insurance ensures they’re protected until they arrive safely at your lot.
2. Covers Dealership Tools & Equipment
Dealerships rely on expensive diagnostic tools, mobile service equipment, and specialty parts. Inland marine insurance covers these items if they’re stolen, damaged, or lost while offsite.
3. Fills Gaps in Standard Policies
Traditional garage liability insurance or property policies often exclude coverage once items leave your lot. Inland marine closes that gap, providing continuous protection.
4. Offsite Events & Community Engagement
Showcasing vehicles at car shows, trade expos, or community events? Inland marine insurance protects them outside your dealership.
5. Customizable to Dealership Needs
Every dealership is different. Inland marine can be tailored to cover vehicles in transit, parts in storage, or service tools on the go.
The Bottom Line
For dealerships, risk doesn’t stop at the lot. Inland marine insurance ensures your vehicles, tools, and inventory are covered wherever they are. It’s a critical safeguard for any strong dealership insurance program.
At Hawk’s Bay Insurance Group, we specialize in dealership insurance and can help you identify coverage gaps that inland marine can fill. Protect your business, whether your assets are on the lot, on the road, or on display.