Used Car Dealership Insurance Program from J.L. von Arx & Associates
J.L. von Arx & Associates offers a focused Used Car Dealership Insurance program designed for independent agents placing risks in automotive sales, service, and mobile repair operations. As a general agency and excess & surplus lines broker, we combine specialized underwriting with access to multiple admitted and non-admitted carriers to deliver placement flexibility for dealer and garage exposures.
Ideal Accounts and Appetite
This program suits a range of retail and service operations in the used-vehicle space, including:
- Independent used car dealerships selling autos, light to extra-heavy trucks, RVs, motorcycles, golf carts, trailers and equipment
- Repair shops and service centers, including mobile repair businesses
- Dealers who maintain on-lot inventory and require physical damage protection
- Operations needing liability protection plus coverages for employee tools or business interruption
Example: You might place a small used-truck lot in Arizona that operates a single repair bay. This program can combine Garage Liability, Dealer’s Open Lot physical damage, and Garage Keepers Legal Liability to address both sales and service exposures.
Coverage Highlights and Advantages
Coverage is offered as a package tailored to dealer and garage operations and may include:
- 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
Underwriting focuses on standard, well-managed operations. The following are generally ineligible:
- Automobile salvage yards or businesses that rebuild salvage vehicles
- Vehicle repossession services
- Operations that service, maintain, or sponsor vehicles used in races or exhibitions
Minimum premiums and specific terms depend on location, inventory values, services offered, and loss history. Contact J.L. von Arx & Associates for underwriting guidance and to discuss any borderline or specialty risks.
Territories and Availability
The program is currently available in Arizona, California, and Nevada. We offer admitted market options in select states and access to non-admitted carriers where broader capacity is needed.
Why Work with J.L. von Arx & Associates?
Agents choose J.L. von Arx & Associates for:
- Deep underwriting expertise in garage, dealer, and automotive risks
- Access to multiple competitive markets — admitted and excess & surplus — to improve placement options
- Responsive service and practical solutions for mobile, specialty, and multi-line dealer operations
Whether you're placing a straightforward dealer account or a more complex operation with repair services and lot inventory, our program is structured to provide flexible coverage options backed by experienced underwriting support.