Dealer Operations & Garage Liability Inspection Worksheet
Document dealership inventory, dealer plates, driver/test-drive controls, rebuilt titles, vehicle custody, lot security and related Garage Liability / Garagekeepers exposures. Field observations do not establish policy coverage.
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Business / Licensing / Exposure
Risk Address / Phone / Website
Years Established / At Location
Operating Hours / Sales Office and Other Structures
Building Stories / Construction / Updates
State Dealer License # (VI if FL) / Expiration
Dealer License Posted / Photo Taken?
Other Business Entities on Premises / Names
Shared Lot? Garagekeepers or Liability COIs from Other Entities
Requested Coverage: Garage Liability / Garagekeepers / Dealer Open Lot / Other
Operations & Exposure Notes
Verify licensing and distinguish garage liability, garagekeepers, and dealer open-lot/physical-damage exposures. These coverages are not interchangeable; report what is requested and observed.
Sales / Titles / Values / Inventory
Vehicle Types Sold (Autos / Motorcycles / RVs / Trucks / Boats)
Retail % / Wholesale % / Online %
Vehicles Sold Per Year / Average Unit Value ($)
Maximum Unit Value ($) / Total Lot Value ($)
Average Inventory Count / Max Lot Capacity
Vehicles Observed at Inspection / Overnight Count
Consignments? Count / Terms / Key Custody
Rebuilt / Salvage Title Sales? Approximate %
Collision / Mechanical Reconditioning: In-House or Outside Shops
Buy-Here-Pay-Here? Max Loan Term
Title Transfer at Sale / Lien Retained / Customer Insurance Verification
Purchase Sources (Auction / Dealer / Public / Out of State)
Purchase Radius / Transportation to Lot
Sales / Inventory / Title-Control Notes
Document average, maximum, and overnight inventory values separately. Distinguish physical possession of a vehicle, ownership/title, consignment, and financing arrangements.
Dealer Plates / Drivers / Test Drives
Dealer Plates: Number / Identification / Where Secured
Transport Plates: Number / Use / Where Secured
Dealer Plates Used Personally? By Whom / Controls
Test Drives: Accompanied or Unaccompanied?
Driver License Verified / Copy Retained?
Test-Drive Radius (mi) / Any Overnight or Extended Drives?
Owners / W-2 / Part-Time / Contract Staff: Counts
Authorized Drivers / Household Members / Nonemployees
Drivers Under Age 21 / Over Age 72 — Number and Role
Driver Roster — Name, Role, FT/PT, Employee/Contractor, DOB if Required, Authorized?
Test Drive / Driver Screening / Plate-Control Notes
Record who is allowed to drive inventory and dealer-plated vehicles. Obtain driver names, roles, age categories and screening practices; avoid unnecessary sensitive ID details in general notes.
Repairs / Transport / Tow Operations
On-Lot Mechanical / Body / Paint Repairs? Details
Repairs Performed by Insured / Outside Shops / COIs
Company-Owned Trucks / Tow Vehicles / Service Units
Towing for Third Parties? Scope / Radius
Commercial Auto Carrier / Policy # (If Applicable)
Parts / Oils / Combustibles / Fire Controls (If Repairs)
Additional Service / Transportation Exposures
Separately identify incidental inventory preparation versus repair/body-shop operations or outside towing services. Those may require additional underwriting review and supplementary surveys.
Lot / Security / Premises / Losses
Lot Surface / Condition / Vehicle Capacity
Fencing / Height / Gates / Hours Secured
Lighting / Cameras / Patrols / Burglar Alarm Monitoring
Keys During Business Hours / Overnight Secure Location
Guard Dogs? Number / Breed / Where Secured / Public Access
Customer Access / Test-Drive Control / Vehicle Theft Prevention
Office / Structures / Portable Fire Extinguishers
Exterior Walkways / Parking / Trip and Fall Conditions
Losses Past 5 Years? Type / Amount / Status
Additional Lot / Security / Underwriting Notes
Key control, dealer-plate accountability, secured inventory, outdoor lighting, guard-dog access and lot surfaces directly affect theft, vehicle damage and liability exposures.
Photos to Obtain
Photograph the license, plate/storage controls and all hazards. Obtain evidence of each recommendation; avoid exposing key codes or private driver data.
REQUIRED: Dealer license showing number/expirationDealer and transporter plate examples / plate-control storageSales office / public areas / posted dealer informationFront, sides, rear of lot / address / inventory overviewsFencing, gates, CCTV, lighting / burglar systemKey cabinet, lockbox or safe (no combinations/codes)Representative rebuilt or consignment inventory, if applicableExterior pavement / walkway / lot drainage hazardsTow trucks / owned vehicles / equipment, if applicableRepair bays, lifts or body/paint exposures, if applicableFire extinguishers and service tags / storage areasGuard dogs / secure areas if accessible and safeREQUIRED: Supporting photos for every recommendation
Narrative Insert
The risk operates a [retail / wholesale / consignment] auto sales business DBA ____ at this [owned / leased], ____-story ____ construction location. Established ____ years and at this site ____, the risk shares / does not share the premises with ____. State dealer license ____ expires ____. Sales include ____ vehicles annually (____% retail / ____% wholesale / ____% online), including ____% rebuilt-title units and ____ consignment units. Reconditioning and repairs are performed ____.
The lot averages ____ vehicles, has a capacity of ____, and held ____ at inspection; average unit value is $____, maximum unit value $____ and maximum lot inventory value $____. Purchases originate from ____ within ____ miles and are transported by ____. The risk uses ____ dealer plates and ____ transporter plates, secured ____. Buy-here-pay-here arrangements are ____; title/lien transfer and customer insurance verification are ____. Customer test drives are [accompanied / unaccompanied] within ____ miles; driver-license review and overnight test-drive controls are ____.
Staffing consists of ____ employees/contractors and ____ authorized drivers, including ____ under 21 and ____ over 72. Company/tow vehicles and insurance consist of ____. Inventory keys are secured ____; lot fencing, gates, lighting, CCTV/alarms and any guard dogs consist of ____. Parking, sidewalks and housekeeping are maintained in ____ condition. Reported losses and significant underwriting concerns include ____.
Related LCA reference: Auto Dealer Garage Liability Field ID Card — dealer licensing, driver and lot exposures.