Covenant Insurance Group

🎓 Helping Students Explore a Future in Insurance!

Nicky Sanderson recently attended Christian School of York’s College and Career Day to talk with students about insurance and career opportunities in the insurance industry.

Students learned about personal auto and homeowners insurance, why having the right coverage matters, and what a career in insurance can look like.

At Covenant Insurance Group/Anthony Insurance Inc., we’re proud to help students explore career paths they may not have considered and share how insurance professionals help individuals, families, and businesses protect what matters most.

Thank you to Christian School of York for inviting Nicky to be part of this special day!

Running a dealership means managing more than inventory—you're protecting your business, your customers, and your reputation every day.

Whether you sell cars, trucks, motorcycles, RVs, farm equipment, or other specialty vehicles, your dealership faces unique risks that require specialized insurance.

A dealership insurance program may include protection for:
🚗 Vehicle inventory
🏢 Buildings and business property
🔧 Garagekeepers Coverage for customers' vehicles left in your care
⚖️ Dealers Errors & Omissions Liability
👷 Workers' Compensation
🛡️ General Liability
📋 Employment Practices Liability

From customer test drives and trade-ins to title paperwork and daily operations, the right coverage can help protect your business from unexpected claims and costly setbacks.

No two dealerships are alike, which is why your insurance should be tailored to the way you do business.

Contact us today to discuss your dealership's risks and build a coverage plan designed to keep your business moving forward.

Dealers Open Lot

Risk Factor
Your inventory is your livelihood. Cars can get damaged in a number of possible ways, including collisions, weather events, or fire. There’s also a risk that vehicles could be stolen while unattended or under the guise of a test drive.

Solution
Dealers open lot (DOL) offers coverage for physical damage to vehicles for specific losses named in the policy, which may include things like fire and theft. Coverage can vary based on how protected or open a lot is and can include driveaway collision for times when your vehicles are in transit to another location and false pretense for when a vehicle is taken fraudulently.

Why do dealerships need specialized insurance?

Dealerships face risks that many other businesses don't, including maintaining valuable inventory, allowing test drives, servicing customers on-site, handling vehicle titles, and complying with industry regulations.

Garage Liability

Risk Factor
You have many exposures associated with the operation of your dealership, including premises, auto, products/completed operations. Even a single auto accident or mechanic’s error can potentially put your business in financial jeopardy.

Solution
Garage liability insurance provides comprehensive coverage for bodily injury, property damage, and other liability exposures as they relate to the operation of your dealership and its parts and service departments.

What is Dealership Insurance?

Dealership Insurance is specialized business insurance designed to help protect vehicle and equipment dealerships from the unique risks associated with inventory, customers, employees, and daily operations.

Your data is valuable. So is your business’s reputation.

A cyber incident could leave you facing expenses for:
✔ Cyber extortion or ransom demands
✔ Brand and reputation management
✔ Legal counsel

If your business data were suddenly lost or compromised, would your insurance be ready to help?

Your patients come first—but protecting your dental practice should come right alongside it.

Dental offices face unique risks that go far beyond a typical business. From expensive, specialized equipment to patient care and visiting practitioners, your practice needs insurance designed specifically for how you operate.

Dental office insurance may help protect:
🦷 Dental chairs, X-ray machines, sterilization equipment, and more
🏥 Property and office contents unique to dental care
⚖️ Malpractice claims and legal defense costs
👩‍⚕️ Visiting dentists, hygienists, and contract staff
💻 Cyber liability risks tied to patient data
⏱️ Business interruption if your office must temporarily close

Even with the best care, mistakes or misunderstandings can happen. Malpractice claims, licensing board complaints, or allegations of improper treatment can lead to significant legal costs—making proper coverage essential to protecting your practice.

And like any business, dental offices also need core protections such as general liability, workers’ compensation, and employment practices liability insurance to help safeguard employees and operations.

Every dental practice is different, and your coverage should reflect that. Whether you’re a solo dentist or a multi-provider office, having the right protection helps ensure you can stay focused on what matters most—your patients.

Contact us today to learn more about dental office insurance options for your practice.