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Car Dealership Insurance

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Free Online Quotes for New Auto & Car Dealership Insurance

New car dealerships have different insurance needs from other area businesses. In addition to standard liability insurance that would cover a customer should they slip on your showroom floor and property insurance that would cover fire or vandalism, car dealerships also need to be protected should a customer get into an accident out on the road, test driving one of your vehicles.

In addition to the damage to your inventory, your car dealership needs to be protected against the customer’s potential injuries and any damage he or she might inflict on people or property while in one of your cars. However, these aren’t the only types of insurance your auto dealership is likely to need.

Note: we can only insure new car dealerships, if you sell used cars we will be unable to help you.

Types of Car & Auto Dealership Insurance Coverage

  • Commercial Building Insurance: covers physical hazards that may damage your property.
  • Building Contents Coverage: this will cover your building contents, you will need specialized insurance for your equipment or tools.
  • Garage Policy: A commercial auto policy designed to address the needs of auto dealers this covers customer’s cars while in your care and custody.
  • General Business Liability Coverage
  • Owned Auto: Protects your new and used inventory and any vehicles registered in the dealerships name.
  • Commercial General Liability: An insurance policy issued to business’ to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations.

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McDougall Auto Dealership Insurance Brokers & Your Business Needs

If you’re like most business owners, you don’t want to spend a lot of time and energy on managing your insurance portfolio. That’s where McDougall Insurance can help. As your insurance partner, our insurance brokers can monitor your changing insurance needs so that you always have the coverage you need without paying for things you don’t need.

Click the button for a free auto/car dealership insurance quote Ontario car dealerships can trust. Or contact us with any questions you may have regarding our car and auto dealership insurance policies. We’ve been helping area businesses like yours for decades.

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Auto Dealer Insurance Options

You could have several important options to consider, for example:

Special Hazards

These are hazards that can be covered, but are not covered under your basic insurance product. Hazards such as earthquakes, flood, hail and sewer back up are all risks that can be addressed.


Can be adjusted to a level your business feels comfortable with, and can affect the annual premium.

Umbrella Insurance

A policy designed to provide protection against catastrophic losses. It fills in any gaps in coverage and is generally written over primary liability policies, such as the business auto policy.

Business Interruption

Insurance covering loss of income suffered by a business when damage to its premises by a covered loss causes a slowdown or suspension of operations.

Pollution Liability

Provides clean up expense, when a pollution incident arises from the operation of your business.

Getting The Best Car Dealer Insurance in Eastern Ontario

When you need to purchase a vehicle you go to a recognized and licensed dealer because you know you will get the best deal and the best product to fit your needs. An experienced and trained insurance expert can find you the best coverage options at the lowest rates. This is especially true when you choose to do business with a company like McDougall Insurance & Financial.

We do not represent just one insurance company. We are an insurance brokerage that does business with many top insurers. After you contact one of our specialists to discuss your insurance needs, your job is basically done. Your insurance specialist crunches all the numbers and compares policies and premiums from several top providers. This ensures that you get exactly what you need for the best price.

Happy Young Family Are Signing A Contract To Buy A Car. Dialogue With Dealer. Cheerful Customer. Automobile Salon. Make A Decision. Cup Of Coffee. End Of A Deal. Good Offer. Buyer And Seller.

Areas We Serve

  • Arnprior
  • Bancroft
  • Barrie
  • Barry’s Bay
  • Belleville
  • Brighton
  • Brockville
  • Carleton Place
  • Cobourg
  • Cornwall
  • Courtice
  • Crysler
  • Eganville
  • Embrun
  • Gananoque
  • Kemptville
  • Kingston
  • Madoc
  • Midland
  • Morrisburg
  • Napanee
  • North Bay
  • Orillia
  • Oshawa
  • Ottawa
  • Parry Sound
  • Pembroke
  • Penetanguishene
  • Perth
  • Petawawa
  • Peterborough
  • Picton
  • Prescott
  • Prince Edward County
  • Sudbury
  • Trenton
  • Wellington
  • Winchester

What Our Customers Are Saying

Eric Irvine

Been dealing with McDougall/Brister Group Winchester for at least the past 5 years and the service has been excellent. Our broker William Barclay is very helpful and helped us save money with the best possible insurance quotes and goes above and beyond with his customer service!

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