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.


Does garage auto policy cover car restoration shops?

Auto policies cover some specialty shops. To ensure your shop is protected, enquire with your broker and be specific so that they know what services your business offers. The more precise you are, the better your insurer can tailor your policy. As a specialty shop operates differently and has different requirements, this is especially vital for them.

Does garage auto policy cover bike repair shops?

Due to the nature of a bike repair shop and the specifics that go into running it, your insurer can require that you take out another liability policy. This separate policy will offer protection for the client's bike if it falls victim to an accident inside your shop, making it essential.

What does "Elevator and Hoist Collision" mean?

Hoist collision refers to coverage for an accidental impact between a hydraulic or mechanical hoist and something else. On the other hand, elevator collision comprises the operation and perils of accidents inside the building with the elevator or the machine itself. Businesses that have hydraulic machinery or elevators need to look into this type of insurance.

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