Auto body and garage insurance provides coverage for automobile shop and garage risks. Garages offer a broad range of services and are exposed to an increasing number of risks including injuries, fire, theft, or vandalism. The last thing you want is to discover you are under-insured and held liable for a hefty claim, especially if it involves one of your customers’ vehicles.
Garage liability insurance provides coverage for damage to customer’s vehicles that are on your premises or that you have accepted into your care or control. Along with a garage policy, it is necessary to also hold a commercial general liability (CGL) policy to provide protection in the event of legal fees and claims. Garages should also carry property & business interruption insurance with appropriate limits.
While it may be obvious that an auto repair shop or garage should carry this specialized insurance, there are a number of other businesses that require auto body and garage insurance as well. If your business provides any of the following services, you should have a commercial garage policy:
- Vehicle detailer
- Auto painter
- Collision repair garage
- Car wash
- Minor tune up shop
- Tire shop
- Windshield and glass repair shop
- Valet service
- Tow truck operator
It is important that you work with an insurance broker that understands the auto and garage industry. This is because no two businesses are alike and your coverage will vary depending on the type of business you run and the services you provide.
Whether you are a small auto repair shop or a large tire centre, Fuse insurance has expert brokers that will ensure you have tailored and complete protection for your Canadian auto body shop or garage. Visit our contact page or call 1-866-387-FUSE (3873) for a thorough assessment of your coverage and to get a quote today.
