Auto Salvage & Dismantler Insurance Coverage Checklist
The coverages an auto salvage & dismantler business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for salvage yards and auto dismantlers. Priorities reflect typical exposure; confirm against inventory and customers.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. Products) | Covers customer injuries and claims from used parts sold. | Core | |
| Pollution Liability | Covers fluid leaks and stormwater contamination. | Core | |
| Commercial Property (incl. | Vehicle Inventory) Covers buildings and vehicle inventory — including EV battery fires. | Prevalent | |
| Garage / Garagekeepers | Covers vehicles in the business's care that it doesn't own. | Situational | |
| Commercial Auto | Covers tow trucks and delivery vehicles. | Core | |
| Workers' Compensation | Covers dismantlers and yard staff. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is pollution. Fluids from thousands of vehicles can reach soil and stormwater, and general liability excludes those claims. Yards should carry pollution coverage, drain fluids before storage, quarantine damaged EVs, and report every vehicle to NMVTIS — $1,000 per missed vehicle.
Send us the checklist and we'll review your auto salvage & dismantler coverage line by line, then market it across multiple carriers that compete for your account.
Related: Auto Salvage & Dismantler Insurance · Auto Salvage & Dismantler Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an auto salvage & dismantler business need?
The core coverages for an auto salvage & dismantler business are General Liability (incl. Products), Pollution Liability, Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my auto salvage & dismantler coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.