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Dealership Insurance

Coverage That Moves at the Speed of Your Sales Floor
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Whether you sell used cars in Ithaca or run a multi-brand dealership in Buffalo, your business involves valuable inventory, test drives, customer traffic, and employee liability—all of which come with real risk. At W.J. Farmer Insurance, we specialize in building policies for New York auto dealerships that address those exposures head-on. From garage liability to dealer plate coverage, we’ll help you stay compliant, covered, and confident—without slowing down your business. Because when your lot’s busy, the last thing you need is guesswork.

Coverage That Goes Beyond the Lot

Insurance Designed for New York Dealerships

We’ll work with you to understand how your dealership operates—on the lot, in the office, and on the road—and tailor coverage accordingly.


Standard policies typically include:

  • Garage liability and garagekeepers coverage
  • Dealers physical damage for vehicles on the lot
  • Test drive liability and customer coverage
  • Business interruption for unexpected closures
  • Commercial property for offices, signage & showrooms
What You Can Expect from W.J. Farmer

Industry-Specific Insurance with Local Know-How

We understand the unique risks that come with selling and storing vehicles. Our policies are built to keep your operation running—and protect your assets in the process.


You’ll get:

  • Fast turnaround on proof-of-coverage documents
  • Policies that meet lender, DMV, and franchise requirements
  • Flexible inventory limits for seasonal changes
  • Guidance on coverage for employee test drives or demos
  • Personalized service whenever your needs change


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Protection for the Business Behind the Cars

Add-Ons That Make Sense for Dealerships

Beyond the vehicles, there are other risks that could stall your business. These add-ons help you stay prepared and protected.

  • Employment practices liability (EPLI)

  • Cyber coverage for digital paperwork or financing

  • False pretense coverage (for fraudulent sales)

  • Equipment breakdown (lifts, computers, HVAC)

Let’s Get You Covered Before the Next Vehicle Rolls Off the Lot.