Businesses that accept vehicles from others, for the purposes of selling, repairing, maintaining, storing, servicing, or parking, are considered to be garage operations. This requires a special insurance that adequately addresses the operations that is not usually covered under common General Liability Policies. The Garage Automobile Policy, with liability coverage for premises and operations, will cover property damage and bodily injury to third parties.
We tailor design policies to cover insurance needs for Automobile Repair Garage Facilities, Air Conditioning Service Facilities, Body Shops, Car Washes, Engine Rebuilding Shops, Emission and Inspection Centres, Glass, Windshield Repairs, Lube/Oil Change Shops, Muffler Repair Shops, Rust Proofing Shops, Sound System Installation, Transmission Repair Shops, Tune-Up Service and Upholstery Repair Shops. Used and new Car Dealers with Repair Facilities and Tow Truck operations .
In Ontario, garage owners and their employees, are not covered by their customers’ policies. Such businesses also require a policy for liability arising from death, bodily injury or property damage to third parties. In addition there is optional accident benefits for personnel who may not be protected under another policy and legal liability for physical damage to a customer’s automobile that may occur while the customer’s automobile is in the care, custody, or control of personnel for reasons directly related to the business.