Trailer dealer insurance.

Protect your open lot inventory and custom installation work from costly risks.

Trailer Dealer Insurance

Rows of utility, cargo, and equipment trailers sitting on an open lot — light enough to hook up and be gone in ninety seconds. Not having a motor doesn’t mean there is no risk. It means different risk, and a policy written for a car lot won’t fit it.

Trailer dealer insurance pairs garage liability for your sales operations with open lot inventory coverage protecting trailers against theft, wind, hail, and transit damage. Dealers who install hitches, wiring, or accessories also need their liability to cover that work after the customer drives away.

The Coverage a Trailer Dealer Actually Needs

Open lot inventory coverage. Theft is the trailer dealer’s number one exposure — trailers are the easiest inventory in the industry to steal. Your policy should reflect real lot security, and your premium will reward it.

There are several steps you can take to secure your inventory and better protect from theft. Start with lights: a well-lit lot doesn’t provide the cover of darkness most thieves are looking for. A six-foot lockable fence prevents easy access to pull in and hook up to a trailer. Finally, wheel locks or tongue locks — that way if they manage to get in, they can’t leave with it.

Garage liability. Covers injury and property damage from your operations — customers on the lot, climbing on trailers, and loading assistance.

Hitch and installation work. If you install hitches, brake controllers, or wiring, a faulty install that causes a wreck two weeks later is a completed operations claim. Completed operations isn’t automatic on most garage policies — make sure it’s been added so your liability covers the work after it leaves.

Let me give you an example: a customer brings you their truck to install a hitch. The technician is rushing and fails to sufficiently bolt the hitch to the frame. They are pulling their brand-new camper which becomes disconnected and causes an accident. Without completed operations, the subsequent damage would not be covered.

Garagekeepers. If customer trailers come in for repair, bearing service, or wiring work, garagekeepers covers damage to them in your care. Installing a fifth wheel on someone’s truck? This coverage protects that vehicle while in your care, custody, and control.

What Does Trailer Dealer Insurance Cost?

Insurance for trailer dealers can be quite competitive because they lack driving exposure, especially if you are just selling trailers and not offering installation. Pricing for liability only can start as low as $1,200 a year.

What moves your premium:

Call us with your numbers: .

State Requirements

Trailer dealer licensing varies more than people expect — some states license trailer dealers like vehicle dealers, bond and all; others don’t. We’re licensed in 30 states and know which is which.

Why Trailer Dealers Choose Us

We’re a garage-niche agency. Licensed in 30 states. We know a gooseneck from a pintle hitch — and we know which one your carrier asks about.

FAQ

Is theft really my biggest exposure?
For most trailer dealers, yes. Trailers are light, unpowered, and easy to move. Lot security is the first thing underwriters ask about.

Does my policy cover a hitch I installed after the customer leaves?
Only if your liability includes completed operations for that work. This is the most common gap we see in trailer dealer policies.

Do I need a dealer bond?
Depends on the state — some require bonds for trailer dealers, some don’t. We’re licensed in 30 states and can tell you exactly what yours requires.

Are trailers covered while I’m delivering them?
In-transit coverage should be part of your inventory policy. Confirm it matches how you actually deliver.

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