ATV and Side-by-Side Dealerships

At GrayStone Insurance Group, we provide specialized insurance solutions to protect your ATV and Side-by-Side dealership. From safeguarding high-value inventory to addressing risks associated with test drives and transportation, our comprehensive policies ensure your business, employees, and assets are covered.

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Why ATV and Side-by-Side Dealers Need Specialized Insurance

ATVs and Side-by-Sides cater to a growing niche of adventure enthusiasts, making your dealership a hub for high-performance, high-value vehicles. These specialized vehicles bring unique risks, such as:

Theft of high-value inventory
Liability during customer test drives or off-site events
Workplace injuries in repair or maintenance facilities

GrayStone Insurance Group offers tailored insurance solutions to address these challenges, providing peace of mind and financial security while you focus on delivering top-notch service.

Comprehensive Coverage for ATV and Side-by-Side Dealerships

General Liability Coverage

Protect your dealership from:

Customer injuries on your premises
Accidents during test drives
Property damage or advertising liabilities

If a customer is injured while test-driving a Side-by-Side, general liability coverage helps cover legal expenses and medical costs.

Commercial Property Insurance

Your dealership’s assets, including vehicles, tools, and equipment, are protected against:

Theft
Fire
Natural disasters

A storm damages your showroom and inventory of ATVs. Commercial property insurance ensures your business recovers quickly.

Inventory Coverage

ATVs and Side-by-Sides are significant investments. This coverage safeguards your inventory from:

Theft
Accidental damage
Fire or vandalism

A shipment of Side-by-Sides is damaged in transit. Inventory coverage helps mitigate the financial loss.

Workers’ Compensation Coverage

Ensure safety for employees handling repairs, heavy equipment, or sales operations with:

Medical benefits for injuries
Wage replacement during recovery
Compliance with state regulations

Example: An employee sustains an injury while moving an ATV. Workers’ compensation covers medical expenses and lost wages.

Commercial Auto Coverage

Dealerships often transport ATVs and Side-by-Sides to customers or events. This coverage protects:

Fleet vehicles from accidents or damages
Liability claims during transit

Example: An accident occurs while delivering Side-by-Sides to a customer. Commercial auto coverage ensures your operations remain uninterrupted.

Additional Coverage Options

Garagekeepers Liability Insurance:
Protects customer-owned vehicles in your care for repair or storage.
Product Liability Insurance:
Covers claims related to defective ATVs or Side-by-Sides.
Business Interruption Insurance:
Ensures income protection during disruptions.
Cyber Liability Insurance:
Protects against losses from data breaches or cyberattacks.
Event Liability Coverage:
Covers risks during off-site showcases or motorsports events.
Umbrella Insurance:
Extends coverage limits for larger claims.

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Why Choose GrayStone Insurance Group?

Industry Expertise: We understand the unique risks of ATV and Side-by-Side dealerships.
Customized Policies: Our tailored solutions ensure your specific needs are met.
Affordable Pricing: Competitive rates to fit your budget.
Efficient Claims Support: Minimizing downtime and helping you recover quickly.

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Protect Your ATV and Side-by-Side Dealership with GrayStone Insurance Group

The specialized nature of ATVs and Side-by-Sides requires insurance coverage that goes beyond the basics. Trust GrayStone Insurance Group to deliver the protection your dealership needs, allowing you to focus on serving your customers and growing your business.

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Get in touch with GrayStone Insurance Group to customize an insurance plan tailored to your ATV and Side-by-Side dealership.

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