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Dealer Insurance Services LLC Blog

Dealer Open Lot Insurance: Protecting Inventory Against Hail

9/1/2026

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Protect your physical vehicle inventory against severe Midwest storms, hail, and theft with Dealer Open Lot insurance.

Severe Midwest storms and hail can wipe out an entire vehicle lot in minutes. Dealer Open Lot (DOL) insurance covers your owned inventory against physical damage caused by hail, windstorms, theft, & vandalism
Because DOL limits are tied to total lot value, under-reporting your inventory can trigger co-insurance penalties during a claim. Keep your reporting limits updated as vehicle stock fluctuates throughout the year.

For Example 

If you have $100K in cars, but only insure $50K to save money, you are only 50% covered.

When hail causes $10K in damage, the insurance company will only pay 50% ($5K).

You lose $5K out of pocket because you under-reported your lot's value.
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Protect Your Inventory: Update your Dealer Open Lot limits with Dealer Insurance Services LLC at (816) 366-5026 or visit www.modealerins.com.
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Dealer Insurance Services LLC
3675 S Noland Rd
Suite 145
Independence, MO 64055​
(816) 366-5026
Click Here to Email Us

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