Garage Auto

A special type of insurance for Auto service & repair businesses

Essential coverage to protect your customers vehicles while they are in your "care custody and control"

The garage auto policy on Ontario known as OAP4 is absolutley essential for business working on automobiles. Did you know your customers auto policy OAP1 excludes damage caused by a garage while their vehicle is being worked on? A Garage Auto policy is designed to meet this need, it provides coverage for non-owned autos and can be expanded to included owned automobiles as well.

Typical operations covered by Garage Auto

  • Auto repair garages
  • Body shops
  • Specialty Shops(glass repair, tinting, vehicle wraps)
  • Incidental used car sales
  • Auto detailing and car washes
  • Gas stations
  • Oil & Lube services

Coverage features and benefits

  • Employers Liability
  • Crime coverage including Employee Dishonesty, Credit Card Forgery and Identity Theft
  • Business Interruption Profits (Actual Loss Sustained)
  • Elevator and Hoist Collision: $50,000 limit with options to increase to $100,000
  • Coverage for personal vehicles registered to the business or owners included
  • Legal Expense Coverage and Cyber Risk Management Services

Optional Add-Ons

  • Unbrella Coverage
  • Equipment Breakdown
  • Limited Pollution Extension: $250,000 limit with option to increase to $500,000

Speak to one of our commercial brokers for more details.


What is the difference between general liability and garage liability?

Garage liability insurance focuses only on accidents that happen in the garage. You should get general liability insurance covering third-party bodily injury and property damage beyond the garage if you want to have more comprehensive coverage.

What is a garage keepers policy?

A garage keepers policy protects if a vehicle is damaged by fire, theft, vandalism or collision, especially when the customers' vehicles are in a covered location for parking or storing.

Can I insure my garage separately?

Yes, you can insure your garage separately, especially when they are detached from your home. Fortunately, there are available insurance premiums in the market today that will cover your garage if you badly need it.

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