Specialty programs for high-value inventory on wheels.

A lot full of exotics is a risk most agents have never placed — values move weekly, test drives are real exposure, and one hailstorm can total seven figures of inventory. We work with the specialty markets that insure this class properly, for dealers and for the collectors they sell to.

Coverage built for this industry

Dealer Open Lot

Physical damage for your inventory — agreed or stated values, catastrophe sublimits negotiated up front, and monthly reporting that matches your floor plan.

Garage Liability

The dealer’s version of general liability — covering operations, test drives, and customers on your lot.

Garagekeepers

Customer vehicles in your care for service, storage, or consignment — legal liability or direct primary, chosen deliberately.

Dealer Bonds & Licensing

Motor vehicle dealer bonds and title bonds coordinated with your state licensing — handled alongside the insurance program.

Exotic & Collector Auto (Personal)

Agreed-value policies for the vehicles your clients drive home — collector carriers that understand appreciation, storage, and limited mileage.

Cyber & Crime

Wire fraud in vehicle transactions is rampant. Funds-transfer fraud and social-engineering coverage protect six-figure deals moving by email.

How Geneva works this class

We already insure this class

Exotic and high-value dealer risk is part of our book today, placed with specialty markets — not an experiment we’d be running on your account.

Values handled like values matter

Agreed-value scheduling, monthly inventory reporting, and catastrophe limits sized to your actual lot — the details that decide whether a total loss pays out at market or at wholesale.

Specialty and surplus-lines reach

Standard markets cap out quickly on seven-figure inventory. Our wholesale relationships reach the carriers built for high-value physical damage.

Dealer and collector, one relationship

We cover the dealership and write the buyer’s collector policy on delivery day — clean handoffs, no coverage gap between your lot and their garage.

Frequently asked questions

Can you insure a small exotic dealership with high-value inventory?

Yes — that profile is exactly where specialty markets are needed. A small lot of high-value vehicles breaks standard dealer programs’ per-vehicle and catastrophe limits. We place these with carriers built for the class and structure reporting around your actual inventory turns.

How are test drives covered?

Garage liability responds to test-drive accidents, but the structure matters — permissive-use wording, driver age restrictions, and physical-damage deductibles all vary by carrier. We walk you through the scenarios before you bind, not after the claim.

Do you write collector policies for individual vehicles?

Yes. Agreed-value collector policies through specialty carriers — for exotics, classics, and appreciating vehicles where a standard auto policy’s actual-cash-value basis would badly underpay a loss.