Garage Insurance Overview

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Garage Insurance Overview

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Who Needs Garage Insurance?

Garage insurance is needed, by any company that takes care, custody or control of third party vehicle.  Therefore, any business that is involved in the selling, repairing or servicing of automobiles is in need of a garage automobile insurance policy. Some examples of businesses that would require this insurance coverage would include the following;

  • Service stations
  • Repair garages
  • Automobile dealers
  • Parking lots
  • Storage garages

What Does Garage Insurance Cover and How Do I know I have The Right Coverage?

Although general liability exposures of garage automobile risks can be covered under a commercial general liability policy, there are specific exposures that are common to garage risks that are excluded and therefore left unprotected. Specifically, these exclusions remove any coverage for damage to automobiles left for repair, service or storage with the Insured. Garage automobile insurance policies are designed to cover exposures that are specific to garage risks, including those excluded by other policies. Common coverage to garage automobile policies is the following;

  • Third party liability
  • Accident benefits
  • Loss of or damage to owned automobile
  • Uninsured motorist coverage
  • Legal liability for damage to a customer’s automobile while in the care, custody or control of the Insured

Very much like with other automobile insurance policies, there are various endorsements that can be added to ensure that coverage is as complete as possible for the specific needs of the operation.

To Learn More About Garage Insurance Speak To An ALIGNED Insurance Advocate Or Connect With Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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