Daprile Insurance Group

Auto Dealer Insurance in Ohio & Beyond

Experience easy access to affordable, high-quality Auto Dealer Insurance at Daprile Insurance Group. Serving Ohio, Pennsylvania & Florida.

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Daprile Insurance Group | Insurance in Ohio

Running an auto dealership in Ohio comes with tremendous opportunity—and just as many risks. From safeguarding your inventory to protecting your employees and customers, having the right insurance plan in place isn’t just smart—it’s essential. At Daprile Insurance Group, we specialize in helping Ohio auto dealers build customized insurance packages that balance affordability with comprehensive coverage.

Below, you’ll find answers to some of the most common questions dealership owners ask about auto dealer insurance in Ohio, what it may include, and how we can help protect your business.

Auto Dealer Insurance Ohio

What Is Auto Dealer Insurance and Why Do Dealerships Need It?

Auto dealer insurance is a specialized type of business insurance coverage designed specifically for those who sell, lease, or repair vehicles. Unlike general business insurance, it takes into account the unique exposures dealerships face—such as test drives, customer accidents on the lot, and liability tied to vehicles awaiting sale.

For Ohio dealerships, these risks can be even more pressing given the mix of weather, road conditions, and state regulations. Without proper coverage, one incident could have devastating financial consequences. With an insurance plan from Daprile Insurance Group, you gain peace of mind knowing your livelihood is protected against unexpected events.

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What Does Auto Dealer Insurance Typically Include?

Every dealership has unique needs, but most Ohio auto dealer insurance packages may include a blend of the following coverages:

  • General Liability Insurance – Helps protect against claims of bodily injury or property damage that occur on your business premises or during vehicle use.
  • Dealer’s Open Lot Coverage – Safeguards the cars you have in inventory from risks like theft, vandalism, or storm damage.
  • Errors And Omissions Insurance (E&O) – Offers protection against claims of misrepresentation or paperwork mistakes in the sales process.
  • Workers’ Compensation – Required by Ohio law if you have employees, this covers medical costs and lost wages in case of workplace injuries.
  • Commercial Property Insurance– Protects your dealership building, signage, tools, and equipment.

Daprile Insurance Group works with you to tailor these elements into a package that makes sense for your size, budget, and risk profile.

  • Your inventory is the backbone of your dealership, and in Ohio, it faces unique risks—from severe snowstorms and hail to theft or vandalism. Dealer’s open lot coverage is designed specifically for this. It helps cover damages to vehicles that are for sale, whether they’re parked outside on the lot or inside your showroom.

    This protection can make the difference between a small setback and a major financial loss. At Daprile Insurance Group, we help Ohio dealers evaluate the best coverage levels based on the value of their inventory and local risk factors, so you don’t pay for more than you need—but you’re never left underinsured.

  • A customer slips on ice while walking across your lot. A test drive leads to a minor accident. A repair performed in your service center causes later vehicle damage. These scenarios all fall under garage liability insurance, which is a core element of any Ohio auto dealer insurance plan.

    This coverage protects your dealership from lawsuits, legal expenses, and settlement costs tied to bodily injury or property damage claims. Without it, even a single claim could put your business at risk. By working with Daprile Insurance Group, you gain guidance in selecting the right limits so you’re covered without overspending.

  • Employees are the lifeblood of any dealership—handling sales, service, and day-to-day customer interactions. In Ohio, employers with even one employee are required to carry workers’ compensation insurance. This not only ensures compliance with state law but also protects your staff if they’re injured on the job.

    Beyond workers’ comp, your policy can be extended to include other employee protections, such as coverage for workplace accidents involving test drives or service repairs. At Daprile Insurance Group, we help auto dealers create insurance programs that show employees their safety and well-being is a top priority.

  • Absolutely. One of the biggest advantages of working with Daprile Insurance Group is flexibility. No two dealerships in Ohio are exactly alike—what works for a large urban dealership in Columbus may not suit a smaller, family-run lot in a rural area.

    Our team takes the time to understand your operations, number of employees, average inventory value, and business goals. Then we recommend coverages that align with your risks. Your policy may include just the essentials, or it may extend into umbrella liability, cyber coverage, or commercial auto insurance if your business uses company vehicles.

  • Daprile Insurance Group has built a reputation across Ohio for providing knowledgeable, personalized service. We’re not just insurance brokers—we’re advisors who take pride in protecting the businesses that keep our communities moving. When you work with us, you can expect:

    • Local expertise – We understand Ohio’s unique risks, weather, and regulatory requirements.
    • Tailored solutions – Your policy is designed specifically for your dealership’s needs.
    • Ongoing support – As your business grows, we help update your coverage accordingly.
    • Trusted carriers – We partner with top-rated insurers to provide reliable protection.

     

    Our mission is simple: to help Ohio auto dealers safeguard their businesses so they can focus on what they do best—serving customers and growing their sales.

Auto Dealer Insurance Ohio

How Can I Get Started with Auto Dealer Insurance in Ohio?

Getting started is easy. The first step is a conversation with one of our insurance professionals at Daprile Insurance Group. We’ll review your current coverage, identify gaps, and provide a no-obligation quote that’s clear and competitive.

Whether you’re a new dealer opening your doors or an established business seeking better protection, our team is here to help. With the right auto dealer insurance in Ohio, you’ll have the confidence to focus on running your dealership while we handle the risks.

Don’t leave your business vulnerable. Contact Daprile Insurance Group today to learn more about auto dealer insurance in Ohio and discover how a customized plan can protect everything you’ve worked hard to build.

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