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.