Garage Insurance — Cover the Vehicles in Your Care
A customer car damaged in your bay, a lift failure, a parts theft — garage insurance covers the exposures that a standard commercial policy leaves out.
What is Garage Insurance?
Garage insurance is a specialized commercial policy for automotive businesses: repair shops, body shops, tire and oil service centres, dealerships and storage garages. It combines garage liability, garagekeepers coverage for vehicles in your care, and property protection for your building, tools and equipment.
What's Covered
- Garagekeepers legal liability for customer vehicles in your care
- Garage liability for bodily injury and property damage arising from your operations
- Road testing and customer vehicle operation by employees
- Building, tools, lifts and diagnostic equipment
- Theft of customer vehicles, parts and inventory
- Employee dishonesty and business interruption (optional)
Who Needs This Coverage?
Independent repair shops, body and paint shops, quick-lube and tire centres, motorcycle and powersports mechanics, and storage or valet garages. Any business that takes custody of a customer vehicle needs garagekeepers coverage.
How Much Does It Cost?
Garage insurance in Canada typically starts around $85–$250/month for a small independent shop, based on square footage, number of bays, payroll and the value of vehicles in your care.
Ready to Get Covered?
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Did You Know?
Many commercial contracts and leases require proof of insurance before you can start work.
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