Auto dealerships face unique risks—from test drives and inventory on the lot to service bays and customer liability. Soma delivers comprehensive, dealership-specific insurance programs built to protect every part of your operation. Whether you run a single-point franchise or a multi-location group, we place the right coverage fast, at the right price, so you can focus on selling cars.
Comprehensive coverage solutions tailored to every exposure a modern auto dealership faces, placed fast through Soma's specialty markets.
Purpose-built liability coverage for dealerships and automotive businesses. Soma places garage liability policies that protect against bodily injury, property damage, and customer vehicle incidents arising from dealership operations—including test drives and service work.
Fleet and commercial auto coverage for dealer-plated vehicles, loaner cars, and service shuttles. Soma specializes in placing commercial auto coverage for dealerships with complex inventories and high vehicle turnover that standard markets often decline.
Protect your showroom, service bay, office equipment, and physical inventory. Soma's commercial property programs cover the full dealership footprint—buildings, fixtures, signage, and tools—against fire, theft, weather damage, and more.
Essential protection against third-party bodily injury and property damage claims occurring on your dealership premises. Soma ensures your general liability coverage is structured to complement your garage and auto policies with no gaps.
Auto dealerships store sensitive customer financial and personal data. Soma's cyber liability coverage protects against data breaches, ransomware, and regulatory penalties—critical for dealerships processing financing applications and digital transactions.
Soma's dedicated Risk Management Team analyzes your dealership's full exposure profile and engineers a seamless, right-priced insurance program—replacing fragmented broker relationships with one expert team that acts fast and gets you covered.
Auto dealerships are complex operations—customer vehicles in your care, high-value inventory on open lots, financing data in your systems, and service technicians working in your bays every day. Standard commercial policies leave critical gaps. Soma partners with specialty carriers like Chubb, Nationwide, and Markel to build integrated insurance programs that cover every dealership exposure under one roof, delivered through a single fast application at a competitive price.
See how Soma has helped auto dealerships get the right coverage, faster and at the right price.
Soma brings specialty expertise and speed to a coverage category that standard brokers routinely get wrong.
We place dealership coverage others won't, working with Chubb, Nationwide, Markel, and hundreds of carrier partners.
Get quotes across all dealership coverages—garage, auto, property, and cyber—with a single fast application.
Our dedicated Risk Management Team analyzes your dealership operations and structures the right program at the right price.
No waiting weeks for quotes or chasing brokers—Soma delivers competitive dealership coverage fast, with a seamless experience.
Experienced insurance specialists dedicated to protecting auto dealerships.
Soma is a specialty commercial insurance brokerage built for complex, hard-to-insure businesses—and auto dealerships are among the most nuanced risks in the industry. With hundreds of carrier partnerships including Chubb, Nationwide, Markel, Kinsale, and Liberty Mutual, Soma's Risk Management Team has processed thousands of businesses across every vertical. Our specialists understand the full dealership exposure stack—from lot inventory and test-drive liability to service bay operations and customer data security. We replace the traditional broker model with a smarter, faster approach: one application, expert analysis, and coverage placed at the right price without the wait. Whether you operate a single franchise point or a multi-rooftop dealer group, Soma engineers a program that fits your operation precisely.
Car dealers typically need Garage Liability, Commercial Auto, Commercial Property, and General Liability at minimum. Garage Liability is the cornerstone policy—it covers bodily injury and property damage arising from dealership operations, including vehicles in your care. Dealers also increasingly need Cyber Liability to protect customer financing data, and may require Workers Compensation and Umbrella coverage depending on their size and state requirements.
Talk to a Soma specialist for a fast, no-obligation consultation on your dealership's insurance needs.
Hundreds of top-rated carrier partners including Chubb and Nationwide
Dedicated team with deep expertise in complex commercial insurance placements
Recognized for trust, transparency, and business ethics
Complete the form below and a Soma Risk Management specialist will analyze your dealership's coverage needs and deliver a competitive quote—fast, with no obligation.