Owning a dealership that caters to the toys that grown-ups love to buy for themselves has got to be an amazing experience. Every day you help customers achieve the dream of running a profitable business or hitting the open road or water to have fun and adventures, both close to home and far away. Here in Ohio, the roads and waterways are begging to be explored, and you help your customers do that with every purchase they make.
The job might be fun, and most customers might be happy. But that doesn’t mean your dealership doesn’t carry certain risks that you need to protect yourself from. The team here at Hitchings Insurance Agency is ready to help you protect your business, livelihood, and future with the right business insurance policy.
If your dealership sells farm equipment, construction equipment, tractor trailers, RVs, water crafts, motorcycles, ATVs, and other specialized vehicles, it’s important that you have the right coverages to protect your inventory, your equipment, your customers, and your business.
Like all businesses, your dealership has to be protected from catastrophic damage and liability. At minimum, you need a general liability, commercial property, and commercial auto insurance policy. These policies will cover you if a customer or vendor gets hurt, you’re in an accident while traveling for business, or a storm, fire, or vandal damages property at your dealership.
Of course, you also need additional coverages to ensure that you’re fully protected. Cyber liability protects your company if your website or database is hacked. Workers’ compensation insurance takes care of your employees if anyone gets hurt on the job — and moving motorcycles, ATVs, and other personal vehicles can lead to injury. An umbrella policy provides additional liability coverage for that once-in-a-lifetime claim that would otherwise ruin you financially.
Once you’ve covered the basics for your dealership, it’s time to focus on your specific business needs. This is where Hitchings Insurance Agency becomes not just an insurance provider, but a member of your team. We help you build a policy that protects your unique business. We work with you to fine tune your coverage and protect your business.
We offer inland marine coverage when you’re transporting inventory over the road. Dealers open lot insurance (often referred to as dealers’ physical damage coverage) covers your inventory while it’s on the lot. Garage liability protects you if your dealership offers repair services. Professional errors and omissions (E&O) covers you if you’re accused of giving false information or bad advice when helping someone with their RV, ATV, motorcycle, or farm or construction equipment, or any other vehicle.
At Hitchings Insurance Agency, we take the time to get to know you, look at the unique details of your dealership business, and offer the solutions that fit your dealership. We know there’s no one-size-fits-all solution for any business. You deserve to have someone you can trust to answer your questions, offer advice, and help you put together a solid policy to protect your business. We invite you to learn about the Hitchings Insurance Agency difference yourself – fill out a free quote form or call us at 419-423-9145.