Repair · Body shops · Dealers
Insurance for auto repair shops and garages in the GTA
Garages are responsible for customer vehicles, specialized equipment and busy work areas. I set up garage programs that cover what is yours and what is in your care.
Who we insure
- Mechanics
- Body shops
- Tire shops
- Detailers
- Used car dealers
- Towing
Coverage for auto repair & garages
Garage automobile
Covers customer vehicles in your care, custody or control.
Commercial general liability
Responds to third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
Tools and lifts
Specialized equipment and diagnostic tools.
Property and equipment
Covers your building, stock, tools and equipment against insured perils such as fire and theft, after deductibles.
Environmental
Fluids, solvents and waste oil exposures.
Dealer plates
Coverage for vehicles driven on dealer or service plates.
FAQ
Questions I hear often
Are customer cars covered by my property policy?
No. Customer vehicles need garage automobile coverage.
What about faulty repairs?
Liability may cover resulting damage, but redoing your work is generally excluded.
Do I need environmental coverage?
Often recommended, given fluids and chemicals on site.
Is test driving covered?
Garage policies usually address operation of customer vehicles; confirm drivers are listed.