USED AUTO DEALERSHIP INSURANCE
Coverage shaped around your dealership
Fernstone helps independent used auto dealers secure coverage that reflects how vehicles are acquired, displayed, sold, financed, serviced, stored, and moved.
Nuance prevents delays and gaps
Dealers open lot, garage liability, garagekeepers, dealer plates, test drives, inventory values, customer autos, and road testing must be structured together—not treated as interchangeable coverage.
02 / INDUSTRY EXPERIENCE
Used auto dealerships are underwritten around inventory, dealer plates, test drives, drivers, lot controls, floorplan requirements, and any in-house service operation. Fernstone understands how those exposures fit together.
Dealers open lot
Protection for used vehicle inventory against covered physical damage, with limits built around real lot and floorplan values.
Garagekeepers
Coverage for customer vehicles in your care, custody, or control while being serviced, parked, or stored.
Dealer plates
We address dealer plate use, test drives, employee drivers, and state licensing requirements as part of the complete dealership program.
$2,500–$100K+
Coverage context across garage accounts Fernstone handles.
Relationships that match the way your dealership operates
Our carrier relationships support independent used auto dealers—from first-time operators and single-location lots to established dealerships with significant inventory and service exposure.
Contract review before requirements become problems
Fernstone helps review licensing, floorplan, landlord, lender, and customer requirements so garage liability, dealers open lot, garagekeepers, and auto documents line up.
Fernstone is licensed in all 50 states and ready to support used auto dealerships nationwide—from first-time dealers to established operations with multiple lots and service locations.
Deep dealership expertise. Fast, clear support.