Comprehensive Dealership Insurance in Ontario – Safeguard Your Inventory, Operations, and Future
The automotive industry moves quickly, and every dealership operates in a dynamic environment where risks can arise unexpectedly. From accidents during customer test drives to damage caused by storms, dealerships face exposures that can disrupt operations and impact profitability. Comprehensive dealership insurance, sometimes referred to as automotive business insurance, helps protect your business from common and unexpected exposures, helping your business remain resilient in the face of these challenges.
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At Oegema, Nicholson & Associates (ONA), we provide coverage across multiple policy forms, for example: commercial property, commercial general liability (CGL), garage/auto policy forms, commercial auto (dealer-owned vehicles), cyber liability, and specialty endorsements, to create a complete protection package.
Why Dealership Insurance in Ontario Matters for Your Business
Running a dealership in Ontario is not just about selling vehicles; it’s about managing a complex operation with multiple moving parts. Each element of your business, sales, service, inventory, financing, and customer interactions, carries its own set of risks.
Each day brings a mix of responsibilities, from maintaining your inventory and organizing test drives to supporting your sales team and ensuring customer satisfaction. Behind it all, you’re also managing the practical realities of safety, compliance, and financial security.
Coverage needs and regulatory requirements can vary across municipalities and may be influenced by floorplan lenders’ insurance conditions, so local expertise matters. At ONA, we understand the fast-paced world of auto sales. We work with you to identify exposures and structure coverage that aligns with your operations and any financing conditions.
Key Risks Facing New & Used Car & Truck Dealerships in Ontario
Dealerships face multiple exposures daily, and understanding these risks is essential to choosing the right car dealership insurance coverage.
A sudden hailstorm can damage your building and/or inventory. A customer test drive can result in an unexpected accident. A fire, flood, or cyberattack can interrupt business operations without warning.
These challenges are part of running a dealership, and preparing for them is essential to keeping your business steady and resilient.
At ONA, we assess your operations to identify potential vulnerabilities and offer targeted coverage to ensure the safety, security, and future of your business.
Key risks faced by dealerships include:
Inventory Protection
Coverage for your new and used stock protects vehicles from theft, vandalism, fire, storm damage, or collision while on your premises or in transit. These coverages often have per-vehicle and aggregate limits and specific deductibles.
Customer Test Drives & Dealer Vehicles
Accidents during test drives or while employees operate vehicles can trigger liability and physical damage claims.
Garage Liability
Service bays, repair operations, and employee activities carry inherent risks. Garage liability coverage protects against claims arising from property damage, bodily injury, or errors in repairs and maintenance.
Cyber Risks
Modern dealerships hold sensitive customer and financing data. Cyber liability (usually a separate policy or endorsement) can cover breach response, data restoration, ransomware, and cyber-related business interruption. Cyber policies often include incident response services.
Business Interruption
Business interruption (loss of income) can protect revenue when a covered physical loss forces you to suspend operations. Note that business interruption coverage typically requires direct physical damage to insured property to trigger a claim.
Property & Weather Damage
Ontario’s variable climate - heavy snow, ice dams, windstorms, flooding - can cause inventory and building damage. Some perils (e.g., overland flooding) may be excluded from standard property forms and require additional endorsements or separate flood policies.
Other Exposures
Equipment breakdown, tools & equipment, signage, transport/road risk, employee dishonesty/crime, and pollution/environmental liability exposures should be reviewed and scheduled as needed.
By understanding these risks and proactively addressing them, ONA helps dealerships avoid costly surprises and ensures business continuity under any circumstances.
Tailored Coverage Options Through Trusted Insurance Carriers
ONA is an independent brokerage, which means we have the freedom to work with multiple top-rated carriers to find the right solution for your dealership.
By comparing offerings, we can secure policies that are competitive, comprehensive, and specifically suited to your business.
We recognize that no two dealerships are the same and standard small business insurance coverage may not fully meet your needs. Our policies are fully scalable, meaning that whether you operate a small used car lot or a large truck dealership, ONA can provide insurance that fits your size, location, and lender/regulatory requirements.
Why Choose ONA for Car Dealership Insurance in Ontario
Proudly independent and community-driven, ONA is one of the largest brokerages serving Eastern Ontario and Western Quebec. We live and work here – we understand local market conditions, seasonal risks, and lender expectations.
Our brokers provide more than quotes, we advise on risk management, coordinate certificates of insurance for lenders and vendors, and support you through claims. With over 50 years of experience, we help you anticipate exposures before they become issues and work alongside you during a claim to seek prompt, fair resolutions.
Whether you operate a small family-owned used car lot or a multi-location truck dealership, we tailor a program that fits your operation and financing requirements.
When you partner with ONA, you build a shield around your business.
You gain access to responsive support, expert risk assessment, and a team that’s ready to act the moment you need us. From your first quote to your first claim, we’re with you every step of the way.
Ready to Secure Your Business with Car Dealership Insurance in Ontario?
Your Ontario car or truck dealership deserves protection that matches the scale and complexity of your operations.
At ONA, our approach is holistic. We do not just look at the obvious risks; we also consider less apparent exposures, such as cyber threats and business interruptions.
By addressing all potential vulnerabilities and considering the scale and uniqueness of your operation, we work with top providers to ensure that your dealership is fully protected, giving you peace of mind to focus on sales, customer relationships, and growth.
Don’t leave your business exposed to avoidable risks. Contact ONA today for expert automotive business insurance and dealership coverage designed to protect your inventory, operations, employees, and customers.
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Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
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Rhonda, Capital Dodge
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Tim
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