Our corporate site Contact us

Expertise

Automobile Dealers

Marsh Canada’s Coverage and Protection (CAP) Dealer Insurance Solutions is designed to provide automobile dealers across Canada with comprehensive insurance coverage for all risks associated with their business.

From Property to General Liability coverage, Special Contingency Insurance, and Directors and Officers Liability and Garage Automobile coverage, the program provides Comprehensive insurance in a seamless and easy-to-buy package.

This program is available throughout Canada via our country-wide network of client-focused CAP Dealer Insurance Solutions representatives experienced and knowledgeable about the automotive dealership business.

Who Will Benefit?

Coverage and Protection (CAP) Dealer Insurance Solutions is designed to meet the needs of franchised new car dealerships, franchised heavy truck dealerships, franchised motorcycle/power sports dealerships, and select used car dealerships.

All target dealerships and locations must be Canadian-owned and operated within Canada.

Why Buy This Product?

CAP Dealer Insurance Solutions has been developed specifically for Canadian automobile dealers and has been tailor-made to accommodate your needs.

Coverage is specifically designed to be broad and to reduce the risk of "gaps" in insurance protection. Higher limits of coverage are also available. As a program participant, you can access other specialty coverages, including Accidental Death and Disability Insurance. For highlights of the coverage afforded under this program see Coverage Features.

We offer a 24/7 claims reporting service throughout Canada with access to bilingual claims adjusters.

Beyond the insurance policy, we offer advice and expertise that will assist your operation in mitigating risks. You also have access to Marsh's worldwide resources and risk advisory expertise and experience to assist you with your insurance needs.

Coverage Features

The coverage provided under CAP Dealer Insurance Solutions has been created to meet the specific needs of Canadian automobile dealers.

The program includes an All Risks Package Policy incorporating Property, Casualty, Directors and Officers Liability, Garage Auto, and Accidental Death and Disability (AD&D) coverage.

Below are some of the CAP coverage differentiators:

Blanket Limit of Liability based on highest single location Limit, including all property, business interruption, and auto inventory.
Crime
Directors and Officers liability coverage including employment practices liability (EPL).

Supporting CAP dealerships with expert property risk consulting

At Marsh Risk Consulting, we complement the CAP Dealership Program’s insurance solutions by delivering specialized property risk consulting services tailored exclusively for franchised new automobile and other dealerships across Canada. Our value-added initiatives help dealerships protect their physical assets, improve operational resilience, and optimize risk management strategies.

Advantages of collaborating with Marsh Risk Consulting

Core property risk consulting services offered include:

Marsh Risk Consulting offers several solutions beneficial for CAP dealerships, including:

Physical or virtual inspections of dealership locations
Identification of key property risks and vulnerabilities
Recommendations for risk control improvements and operational resilience.

Regular distribution of industry-specific bulletins highlighting emerging risks, regulatory updates, and mitigation strategies
Sharing of proven best practices tailored to dealership property and asset protection.

Workshops and training sessions for management and staff on risk control procedures
Guidance on claim reporting and loss prevention techniques.

Development of tailored risk management plans addressing dealership-specific exposures
Support for implementation of cost-effective risk mitigation measures.

Why property risk consulting matters

Property risk consulting helps CAP dealerships reduce loss frequency and severity by identifying hazards and implementing targeted controls before they lead to costly claims. By providing detailed, documented risk insights and mitigation plans, consultants strengthen insurers’ understanding of exposures and support more favorable, well-aligned coverage terms. Enhanced property protections and business continuity planning boost operational resilience – minimizing downtime and financial impact from property damage or interruptions – while tailored risk controls ensure alignment with industry standards and regulatory requirements, promote workplace safety, and demonstrate a proactive commitment to compliance.