Copeland Insurance


Motorcycle dealership insurance helps protect what you rely on.

Safeguard your business with comprehensive motorcycle dealership insurance when the stakes are high.

What Does Motorcycle Dealership Insurance Cover?

Whether you operate a franchised or independent motorcycle dealership, choosing the right insurance coverage is crucial. Key options include:

Dealers Open Lot or Dealers Physical Damage Liability Insurance:
This coverage protects your inventory against collision, loss, theft, and other specified damages.

Garage Keepers Insurance:
Provides coverage if a customer’s motorcycle or vehicle is damaged or stolen while under your care, such as during test drives, repairs, or storage.

What Are the Risks of Operating a Motorcycle Dealership?

Running a motorcycle dealership involves significant risks, including:

Property Risks:
Your inventory is susceptible to theft, vandalism, and weather damage, potentially resulting in substantial financial losses without adequate insurance.

Liability Concerns:
Handling customers’ motorcycles or vehicles carries liability risks. Damage during repairs or incidents involving employee negligence could lead to legal liabilities and financial consequences.

Employee Misconduct:
Internal risks include theft of inventory or misuse of company resources, such as unauthorized purchases on company credit cards.

Understanding these risks is essential for tailoring a comprehensive insurance policy that protects your dealership’s assets and operations effectively.

Safeguarding your business’s inventory is crucial, especially since it forms the backbone of your operations. Dealers physical damage liability insurance, also referred to as inventory protection, shields your stock from specified perils outlined in your policy.

If your dealership assumes responsibility for your customers’ motorcycles while they are under your care, custody, and control, this coverage is essential in case their vehicle is stolen or damaged.


Home » Business Insurance » Insurance by Industry » Motorcycle Dealership Insurance


Why Choose Motorcycle Dealership Insurance?

When your business is at stake, protect it with motorcycle dealership insurance. This essential coverage, also known as dealers open lot or dealers physical damage liability insurance, safeguards your inventory from collisions, theft, and other specified perils under your policy. Additionally, garage keepers insurance is crucial if you handle customers’ motorcycles or vehicles, offering protection in case of theft or damage while in your care.

Understanding the Risks of Operating a Motorcycle Dealership

Operating a motorcycle dealership involves inherent risks, primarily due to the concentration of valuable inventory at a single location. Potential threats include theft, vandalism, and weather-related damage, all of which can lead to significant financial losses without adequate insurance coverage. Liability concerns also arise from the handling of customers’ vehicles; for example, damage during repairs or employee negligence can result in legal liabilities and financial repercussions.

Essential Insurance Coverages for Your Motorcycle Dealership

While every dealership is unique, certain insurance coverages are universally essential. Workers’ compensation insurance provides crucial coverage for employees injured on the job, ensuring their well-being and compliance with legal requirements. Commercial property insurance protects your dealership’s buildings and assets, safeguarding against property damage and loss. Cyber liability insurance is increasingly vital, particularly if you store customer data electronically, shielding your business from potential lawsuits in case of data breaches.

Ready to Secure Your Motorcycle Dealership?

Explore your coverage options with us today to safeguard your business and assets effectively. Contact us to discuss how motorcycle dealership insurance can provide comprehensive protection tailored to your specific needs.

Insurance for motorcycle dealerships safeguards the assets essential to your operations.

Find Your Coverage

We’re here to help you explore your coverage options

Contact Copeland Insurance Agency

Contact by Office Location

Let’s Get Started


Fill out the form.


Review your options with us.


Get the coverage you need.

Motorcycle Dealership Insurance Quote Request

How can we help