NAICS UNIVERSITY · Free research for insurance agents
New Car Dealers
NAICS 441110 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing new automobiles and light trucks, such as sport utility vehicles, and passenger and cargo vans, or retailing these new vehicles in combination with activities, such as repair services, retailing used cars, and selling replacement parts and accessories.
Start with the work promised to the client.
For New Car Dealers, clarify the services, contracts and consequences of an error. Review open lot / dealer physical damage, garagekeepers, dealer e&o (errors and omissions). Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- How many rooftops or locations, and are they under common ownership or separate legal entities?
- What is the peak inventory value on the lot, and how is it financed — floor plan lender and any lender-required coverage terms?
- Is there an in-house body shop, paint booth, or collision center, or is that work referred out?
- How many customer vehicles are typically on premises for service at any one time, and are loaner or courtesy vehicles provided?
- What is the average used vehicle inventory level, and is there any buy-here-pay-here or dealer-financed activity?
- What dealer management system and F&I platform are in use, and has the store had any cybersecurity incidents or data breaches?
- Any prior open lot, garagekeepers, or dealer E&O losses in the last five years?
- Are there any underground storage tanks, above-ground fuel tanks, or service waste disposal concerns on the property?
Activities described by this code
- Automobile dealers, new only, or new and used
- Light utility truck dealers, new only, or new and used
Other activities to examine
- Retailing used automobiles and light trucks without retailing new automobiles and light trucks: 441120 — Used Car Dealers
- Providing automotive repair services without retailing new automotive vehicles: 8111 — Automotive Repair and Maintenance;
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
New car dealerships sell new automobiles and light trucks — including SUVs, vans, and pickup trucks — typically under a franchise agreement with an OEM. Most also carry used vehicle inventory, operate a service and parts department, and offer financing and insurance products through an F&I office. Daily operations involve test drives, vehicle storage on open lots and in showrooms, customer vehicle intake for service, and a significant volume of both foot traffic and employee vehicle movement.
Questions to investigate
- How many rooftops or locations, and are they under common ownership or separate legal entities?
- What is the peak inventory value on the lot, and how is it financed — floor plan lender and any lender-required coverage terms?
- Is there an in-house body shop, paint booth, or collision center, or is that work referred out?
- How many customer vehicles are typically on premises for service at any one time, and are loaner or courtesy vehicles provided?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.