Powersports Dealership Insurance Coverage Checklist
The coverages a powersports dealership 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 motorcycle, ATV, UTV, snowmobile, PWC, and e-bike dealers. Priorities reflect typical exposure; confirm against youth sales, rentals, and imports.
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 |
|---|---|---|---|
| Garage Liability (incl. Products) | Covers injuries from units sold and dealership operations — confirm youth models and imports aren't excluded. | Core | |
| Dealer's Physical Damage | Covers inventory against theft, hail, and fire. | Core | |
| Garagekeepers | Covers customers' units in service. | Prevalent | |
| Rental / Tour Liability | Needed if units are rented or tours are run — often excluded from garage policies. | Situational | |
| Vendor's Endorsement from Manufacturers | Adds the dealer as an insured on the manufacturer's product liability. | Prevalent | |
| Workers' Compensation | Required in most states; test rides and service drive injuries. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is youth models from importers. CPSC has named dealers that sold youth ATVs failing the federal standard, and a 2026 recall followed a child's death. A dealer selling an import may be the only reachable defendant, and the manufacturer may carry no U.S. coverage. Confirm products coverage for every brand, get vendor's endorsements where possible, and document the minimum rider age at every sale.
Send us the checklist and we'll review your powersports dealership coverage line by line, then market it across multiple carriers that compete for your account.
Related: Powersports Dealership Insurance · Powersports Dealership Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a powersports dealership business need?
The core coverages for a powersports dealership business are Garage Liability (incl. Products), Dealer's Physical Damage, 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 powersports dealership 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.