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Auto Dealer Field Inspection Worksheet
Field worksheet for assessing dealership operations, test drives, dealer plates, vehicle values, overnight storage, lot protection and key controls.
Risk / Building / Operations
Underwriting Focus — Describe the actual risk
Separate vehicle retail, wholesale, BHPH, mechanical service and consignment; each changes vehicle custody, driver and liability exposure. Confirm business operations rather than relying on the website alone.
Dealer Plates / Drivers / Test Drives
Underwriting Focus — Test drives and plate exposures
Confirm who may drive dealership inventory, dealer/transporter plates and loaners; who verifies licenses and obtains MVRs. Overnight or unaccompanied test drives warrant clear documentation.
Vehicle Storage / Key Protection
Underwriting Focus — Overnight values and theft
Underwriters need an overnight vehicle count and values, not only daily sales. Verify aggregate yard values, ingress/egress control and where keys are actually stored after closing.
Security / Fire / Premises
Underwriting Focus — Crime and premises
Describe lighting, surveillance, lot access and keys as observed or contact-reported. Photograph any exposed inventory, egress or surface hazards and the conditions behind recommendations.
Photos to Obtain
Required: readable service tags (if applicable), complete condition/context photos for each recommendation. Never photograph identifying clients without permission.
Narrative Insert
The risk operates a ____ automobile dealership located at ____, in a ____ area approximately ____ miles from tidal water. Operations include ____; annual gross sales are estimated at $____. Building construction/condition and recent updates are ____; prior losses consist of ____.
Dealer plate use includes ____ plates and ____ transporter plates; title transfer procedures are ____. Company/service vehicles, contract drivers, loaners and test-drive practices consist of ____, with average radius ____ and overnight test-drive policy ____.
Overnight inventory averages ____ inside and ____ outside, with a maximum of ____ vehicles and estimated maximum aggregate value $____. Lot fencing, gates, alarm monitoring, surveillance and lighting are ____. Vehicle keys are controlled by ____ during and after business hours. Fire protection, premises condition and other exposures include ____.