Car Dealer Insurance
Commercial package for car dealerships — garage liability, DOL, garage keepers, property, workers comp. New, used, motorcycle, RV, classic, online. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
100+ Years Combined
Deep commercial insurance knowledge across our team.
We Answer the Phone
Real Florida agents — never a call center, never a chatbot.
Veteran-Owned Agency
Independent, veteran-owned, headquartered in DeLand, FL.
24-Hour Certificates
Most COIs and additional-insured endorsements issue same business day.
Who we cover
- New franchise dealerships (single-point or multi-point)
- Used independent dealers
- Motorcycle and powersports dealers
- RV and trailer dealers
- Classic and specialty vehicle dealers
- Online-only and wholesale dealers
- Service-only operations and independent body shops
Garage liability vs dealers open lot vs garage keepers
Three commonly confused coverages, three completely different exposures:
- Garage liability — third-party bodily injury and property damage from your operations. State DMVs typically require it as a condition of dealer license.
- Dealers open lot (DOL) — first-party physical damage to your for-sale inventory (theft, fire, hail, vandalism). Floor-plan lenders typically require it.
- Garage keepers — damage to customer vehicles in your care (service department, body shop, valet). Required for any dealer that takes possession of customer vehicles.
See the comparison resource for the deep dive.
Service department exposure
Service operations bring customer-vehicle custody (garage keepers), tool and equipment value (commercial property and inland marine), employee injury (workers compensation), and (in body shops) paint and materials exposure. We layer the lines so a service claim resolves cleanly without coverage gaps at the seam between GL and garage keepers.
Test-drive policy
Customer test drives are a primary garage liability claim driver. Carriers want a documented test-drive policy: who can ride, employee accompaniment, license verification, route restrictions, and post-drive vehicle inspection. We work with you on the policy language during the quote.
Need a lender-required certificate today?
DOL and garage liability certificates issue within 24 hours.
Floor-plan financing requirements
Floor-plan lenders (the bank or finance company financing your inventory) typically require DOL with the lender named as loss payee. Limits, deductibles, and replacement-cost vs ACV vary by lender. We pre-stage lender documentation so the certificate goes to the lender the day you bind the policy.