Dealer Floorplan & Open Lot Insurance in Raleigh
Advanced floorplan, open lot, and contingent physical damage coverage for truck and equipment dealerships carrying financed or high-value inventory.
The Daily Rate Option: Pay Only For Your True Exposure
Stop overpaying for static inventory insurance. Our exclusive Daily Rate plan is based directly on your floor plan lender statement. You only pay for the exact units you carry—day by day—maximizing your cash flow and protecting your bottom line.
What This Program Is Built For
This coverage is designed specifically for:
- Franchise truck dealerships
- Independent truck dealers
- Heavy equipment dealerships
- Construction equipment dealers
- Wholesale and resale inventory operations
- Floorplan-financed dealer lots
If you carry inventory exposure - on your lot, in transit, or under financing - this program is built for you.
Why This Coverage Matters
Dealer inventory risk is not static.
Your exposure changes daily:
This program is designed to protect both:
- 👉Your physical inventory
- 👉Your financial structure tied to that inventory
Comprehensive Protection
Coverages Include
A robust physical damage and liability suite designed for the unique exposures of commercial dealerships.
Common Losses This Program Protects Against
Why TrueGuard Insurance?
We do not place generic lot policies. We structure dealer-specific floorplan risk programs that align with how your inventory actually operates.
That means:
Get Covered The Right Way
Whether you operate a franchise dealership or an independent lot, your floorplan insurance should match both your lender requirements and your real-world exposure.
REQUEST FLOORPLAN AND OPEN LOT OPTIONSWe will structure a program aligned to your inventory mix, financing, and operational flow.
Why TrueGuard Insurance
The Independent Advantage
As an independent insurance agency based in Winston-Salem, NC, TrueGuard Insurance serves individuals, families, and businesses with personalized coverage and honest guidance — across multiple states and growing.
Independent Agency
We represent multiple A-rated carriers and shop the market on your behalf — so you get the best coverage at the most competitive rate, not just what one company offers.
15+ Years of Experience
Matt Nelson brings over 15 years of hands-on experience in commercial trucking, construction equipment, finance, and insurance — giving you guidance backed by real industry knowledge.
Local North Carolina Expertise
Based in Winston-Salem and serving clients throughout the Piedmont Triad and across North Carolina, we understand the unique risks and regulations that affect our region.
Personalized Solutions
No two clients are the same. We take the time to understand your specific situation and build a coverage program tailored to your needs — not a one-size-fits-all policy.
Claims Guidance & Support
When a claim happens, we're in your corner. We guide you through the process step by step so you're never left navigating a difficult situation alone.
Responsive Service
We prioritize fast turnaround on quotes, certificates of insurance, and policy changes. You shouldn't have to chase your agent — we stay ahead of your needs.
Specialized Programs
We offer access to specialized insurance programs for trucking, construction equipment, dealer programs, and more — markets that most standard agencies simply cannot access.
Ongoing Policy Reviews
Insurance needs change. We proactively review your policies to identify coverage gaps, eliminate unnecessary costs, and ensure your program keeps pace with your life and business.
