Dealership insurance in Rochester, Buffalo, Syracuse, Albany and NYC.

The risks associated with owning a dealership are diverse, no matter what you sell. From workers’ compensation to coverage for customers’ vehicles, we’ll help you navigate the complexities and design a policy that keeps your business running smoothly.

Whether you sell vehicles or equipment, are a franchise or independent, or specialize in used or new products, your dealership needs an insurance policy that fits its specific needs. It’s all too easy to overlook some of the risks for which you need protection.

You don’t just need to think about insurance for your premises and stock. You also need to explore whether you face any risks of lawsuits if people suffer injuries or damage from using the equipment or vehicles you sell. If you’re dealing in new goods, you may need to protect yourself against the risks of having to recall a particular model.

For example, if visitors leave their own vehicle on your premises while taking a prospective new vehicle for a test drive or while negotiating a trade-in, you may be legally required to have garagekeepers coverage. This protects against damage to the visitor’s car, including theft or vandalism.

Don’t forget to make sure your insurance covers more general business elements such as personal liability for visitors to your premises, workers’ compensation for staff and coverage against discrimination claims and other human resources risks.

Our RV/Auto Dealers Workers’ Compensation Safety Group has been underwritten through the New York State Insurance Fund since 1994 and encompasses recreational vehicle, automobile, mobile home and motor sports dealers. They share a common expiration date of May 31st and eligible members receive an upfront discount and the potential for a year-end dividend. In addition we offer New York State Statutory Disability insurance at “members only” rates.

If you would like to learn more about why RV/Auto Dealers from across New York State trust The Flanders Group for their insurance, risk management and Workers’ Compensation needs, please call Carlos Santiago at 585-485-5863 or email

Let’s discuss your dealership insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate dealership insurance solution. There’s no obligation, just good-old-fashioned advice.
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The Flanders Group offers comprehensive dealership insurance throughout all of New York state, including Rochester, Buffalo, Syracuse, Albany, New York City and Long Island.