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Industries We Serve
Coverage That Keeps the Lot Moving
Programs for franchise and independent dealers, service centers, and dealer groups.
Auto Dealerships
Dealerships juggle high-value inventory, customer test drives, service operations, and finance activity all under one roof. We build garage and dealer programs that protect vehicles on the lot and in transit, defend against customer and employee claims, and keep your sales and service floors running without coverage surprises.
Key Exposures in Auto Dealerships
- Inventory and Open-Lot Exposure:
- Hail, theft, and weather can damage dozens of vehicles in a single event.
- Garage and Garagekeepers Liability:
- Test drives, loaners, and customer vehicles left for service create constant liability.
- Finance and Insurance Compliance:
- F&I operations invite regulatory scrutiny and errors-and-omissions claims.
- Employee and Customer Injury:
- Service bays and busy showrooms elevate both workers' compensation and premises risk.
- Data and Payment Security:
- Dealers store sensitive financial data that makes them a frequent breach target.
How We Structure Your Coverage
- Garage and Garagekeepers Programs:
- Combined coverage for owned inventory, customer vehicles, and dealership operations.
- Open-Lot and Physical Damage:
- Inventory protection scaled to your lot value with weather and theft in mind.
- Dealer E&O and Regulatory Defense:
- Protection for F&I practices, sales disclosures, and compliance exposures.
- Cyber and Workers' Compensation:
- Breach response plus safety-driven workers' comp to stabilize your loss costs.
Exigent's AI-driven platform puts your submission in front of the nation's leading carrier network and runs a competitive bidding process on your behalf — so auto dealerships organizations achieve the lowest risk-adjusted premium available. Put our technology to work for you at no cost.