Common questions about Car dealerships
Answering the most frequently asked questions about Car dealerships.
Do we need employment practices coverage?Gravity Certs2026-08-17T22:00:10-04:00
Strongly advised. Commissioned sales environments generate frequent wage, harassment and termination claims.
Is inventory covered against hail or flood?Gravity Certs2026-08-17T22:00:09-04:00
Only with the right property terms. Open-lot inventory needs specific coverage rather than a standard contents limit.
Are test drives covered?Gravity Certs2026-08-17T22:00:08-04:00
Under your auto coverage, with terms varying between employee and customer drivers. Confirm the wording specifically.
What crime exposure does a dealership have?Gravity Certs2026-08-17T22:00:08-04:00
Finance and title fraud is a documented pattern, alongside parts and tool theft from service. Crime coverage responds.
How is dealership coverage different from a repair shop?Gravity Certs2026-08-17T22:00:07-04:00
Broader. You need open-lot inventory terms, dealer plate coverage for test drives, and garage keepers for the service department.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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