Heart Dealer Insurance

Covers damages when vehicles used for dealer business are involved in an accident. Things like damage to your vehicle, Driver Injury, Injury to someone else, Damage to someone else's property, and uninsured/underinsured motorists.

Provides benefits to employees who suffer work-related injuries or illnesses. This coverage helps pay for medical care, wages for lost work time, protects from lawsuits, keeps your dealership compliant with state regulations and more. .

We address the risks of what car dealers face, damage to physical assets like equipment, buildings, inventory, and third-party property. It can also provide for the replacement of stolen property or cover costs associated with theft

Includes bodily injury coverage for customers if they get hurt at your dealership. It covers customer's vehicles in case of damage while in your possession. Also provides you with financial protection if there are mistakes in your advertising, or if liability arises with the vehicles you sell.

The commercial umbrella liability policy provides higher liability limits when an insured’s underlying liability policies are exhausted due to a large liability loss or court judgment.

Covers injuries/accidents in service, on the property or off-premises due to work not properly completed by a mechanic. This coverage pays for medical expenses and other related costs to customers and/or other third parties.

Garage-keepers insurance covers damage, theft and vandalism to customer vehicles while in the care of your dealership while in service, on the lot or on a test drive.

Coverage for the vehicles on a car dealership’s lot that are for sale. Further, this covers vehicles that may become damaged in a wreck or collision and can apply when a car is driven by an employee and/or by customers test-driving it. 

Our environmental insurance, helps protect automotive businesses from high-risk waste materials including but not limited to  oil/grease spills, malfunctioning hydraulic lifts, and chemical storage leaks.   that may not be covered by standard casualty and property policies. 

Our liability insurance protects automotive companies, their workers, and other professionals against claims of inadequate work or negligent actions

Covers automotive businesses against claims by workers that their legal rights as employees of the company have been violated. 

Employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage; money and securities coverage; and money orders and counterfeit money coverage.