Used Car Dealership Insurance Program from J.L. von Arx & Associates
J.L. von Arx & Associates offers a comprehensive Used Car Dealership Insurance program tailored for independent agents looking to place risks in the automotive sales and repair space. Whether your client operates a traditional used auto dealership, sells RVs or motorcycles, or runs a mobile repair business, this package is designed to address the unique exposures of vehicle sales and service operations.
As a general agency and excess & surplus lines broker, J.L. von Arx & Associates brings specialized underwriting knowledge and access to multiple carriers, including both admitted and non-admitted options in select states.
Ideal Accounts and Appetite
This program is ideal for:
- Used car dealerships selling autos, trucks (light to extra heavy), RVs, equipment, motorcycles, golf carts, and trailers
- Repair shops, including those offering mobile repair services
- Dealers with on-lot inventory who need physical damage coverage
- Operations requiring liability protection and coverage for employee tools or business income
Example: You might have a client who operates a small used truck lot in Arizona with a repair bay onsite. This program can offer the right mix of Garage Liability, Dealer’s Open Lot coverage, and Garage Keepers Legal Liability to protect their business.
Coverage Highlights and Advantages
The Used Car Dealership Insurance package may include the following coverages:
- Garage Liability
- Auto & Premises Medical Payments
- Garage Keepers Liability (Legal Liability or Direct Primary)
- Dealer's Open Lot Physical Damage
- Building & Contents Coverage
- Fire Legal Liability
- Broad Form Personal Injury & Advertising Liability
- Broad Form Products Coverage
- Federal Odometer & Truth in Lending Errors
- Title Errors and Omissions
- Drive Other Car Coverage
- Employee Tools
- False Pretense
- Business Income with Extra Expense
Underwriting Notes and Exclusions
This program is underwritten with an eye toward standard and well-managed operations. The following risk types are generally ineligible:
- Automobile salvage or rebuilding businesses
- Vehicle repossession services
- Any business that services, maintains, or sponsors vehicles used in races or exhibitions
Minimum premiums may vary based on risk characteristics and location. Contact J.L. von Arx & Associates for underwriting guidance and eligibility clarification.
Territories and Availability
This program is currently available in Arizona, California, and Nevada. Admitted markets are available in some states, with access to multiple carriers for broader placement flexibility.
Why Work with J.L. von Arx & Associates?
With decades of experience in the garage and dealer insurance space, J.L. von Arx & Associates offers agents:
- Access to multiple competitive markets, both admitted and non-admitted
- Responsive service and strong underwriting support
- Solutions for a wide range of automotive-related risks, including mobile and specialty dealers
Whether you're placing your first used car dealer account or looking for a better fit for a complex operation, this program delivers flexible, tailored coverage options backed by knowledgeable professionals.