What insurance does a new car dealer business need? (2026)
Most new car dealer operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for new car dealer operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Automobile dealers, new only or new and used |
| Light utility truck dealers, new only or new and used |
| New car dealers |