If you are looking for the best place to secure your Wisconsin Dealership Insurance then look no further than Barbee Jackson Insurance. Our agency is recognized as one the largest writers of dealership insurance in the United States. We work with hundreds of different insurance companies to get our clients the coverage they need at the best rate.

Join the 2,000+ dealers that trust Barbee Jackson Insurance for all their insurance needs. Call us today to get started (850) 389-2001

Judith Lloyd⭐⭐⭐⭐⭐ - "Experience was great working with Courtney
There was fast response and questions answered
I will recommend this company to anyone who needs it"

Wisconsin Dealership Insurance Requirements

The Wisconsin Department of Transportation, Division of Motor Vehicles (DMV) requires all dealerships to maintain the following insurance requirements.

Surety Bond

• $50,000 bond for new and used auto sales
• $25,000 bond for wholesale, salvage and recreational vehicles (such as ATVs)
• $5,000 bond for moped

In addition to the bond requirements all dealerships in Wisconsin must have insurance limits at $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident and $10,000 in Property Damage. Insurance companies will combine these limits into one limit referred to as Combined Single Limit (CSL) at $85,000.

Garage Liability Insurance

The majority of dealerships will be written on a type of policy called Garage Liability. Garage Liability is a specific policy form that is designed for Dealerships and Repair Shops. A normal General Liability policy has exclusions to auto whereas the Garage Liability is designed to provide liability coverage to autos.

For example, you are test driving a vehicle and get into an at-fault accident. Any damages done  for property damage and bodily injury would be covered up to policy limits. It is important to note that this coverage is liability to others. It does not cover damages done to dealership inventory. 

Dealer Open Lot

In the example above we mentioned getting into an at-fault accident and pointed out that a dealership vehicle would not be covered for repairs in the event of an accident. If you had Dealer Open Lot, also referred to as Dealer Physical Damage then the vehicle would be covered for repairs minus any deductible.

Dealer Open Lot provides coverage for accidents, theft and weather related claims.

📊 Average Cost of Dealership Insurance in Wisconsin

Pricing is influenced by the size of your operation, inventory value, past claims, and coverage limits. Below is a general estimate:

Rates will increase as the size and coverage options chosen increase.

Other Coverage Options

• Garage Keepers - Provides coverage for non-owned vehicles. Garage Keepers is typically added to the policy if you are doing repair or servicing to customer vehicles.
• Uninsured Motorist - Adds additional medical 
• Furnished Autos - Furnished Auto is added when you want to drive the dealership inventory for your business and personal use.
• Commercial Auto
• Commercial Property
• Workers Compensation 
• Cyber Liability

❓ Frequently Asked Questions

Q: Can I get insurance before applying for my license?
A: Yes — we issue binders you can submit with your license application to the DOT.

Q: Is Dealer Open Lot coverage required?
A: It’s not required by law, but it’s strongly recommended if you have inventory. One major hailstorm could wipe out thousands in value.

Q: How quickly can I get proof of insurance?
A: In most cases, we can issue same-day coverage and send documents within 30 minutes.

👍 Why Choose Barbee Jackson Insurance?

✅ Specialized in Dealership Insurance — including startups and high-volume operations
✅ Licensed in Wisconsin and over 30 other states
✅ Same-day quotes and policy binders
✅ Access to top-rated carriers
✅ Dedicated team with over 15 years of Dealership insurance experience

Call Today (850) 389-2001 or fill out the form below and one of our Dealership Agents will call you.