Every driver knows that a car is an asset — it gets you to where you need to go. But where do cars go when their owners are running errands, they require servicing, or they’re still waiting for a new owner?

Garage facilities, motor vehicle dealerships, repair shops, tow truck operators, and service stations deal with these high-value machines. Owners entrust their cars to them for safety, repair, or storage; during this time, garage facilities perform work on them or store them as part of their operations.

If a third party suffers property damage or injuries as a result of regular garage operations, your facility may be held responsible. For this, garage facilities servicing motorized vehicles and providing automotive services in Atlantic Canada need protection from costly liability claims before these affect your reputation as a reliable garage provider.

What Is Garage Liability Insurance?

We start properly covering your automotive business requires a number of policies sometimes referred to as garage insurance. We start with a Commercial General liability policy to cover the premises (slip & fall) and completed operations, and add to this an SPF#4 – standard garage auto policy to cover damage to customer’s vehicles while at the garage (if burned, vandalized, stolen, falls off a hoist etc).

This specialized insurance coverage is crafted for businesses in the automotive industry. It specifically covers liability during operations, such as injuries suffered by a third party.

Just like general liability coverage for most businesses, garage liability specifically protects automotive businesses from the fallout of legal action taken by a customer or vendor who gets injured on their premises, or as a result of work performed on their cars.

Garage liability insurance is a comprehensive protection plan that covers the business named on the policy, as well as employees, partners, directors, and shareholders who may be held liable for claims while performing their job.

Garage Liability Vs. Garagekeepers Insurance

Don’t get confused — garage liability is designed to protect your garage from the cost of liability claims arising from operations. This insurance plan equips your business from necessary financial cover in case a third party suffers property damage or injuries while work is performed at your garage facility. However, it does not cover damage to cars under your care or custody. If a customer claims that their vehicle was damaged or stolen while under your care, you will need a garage-automobile policy to cover this liability.

Who Needs Garage Liability Insurance?

Garage liability insurance provides specialized coverage for automotive businesses and garage facilities. It’s a smart investment for garage facility owners as it provides specialized financial protection for injuries caused by automotive operations.

Businesses like auto body shops, auto repair shops, service stations, auto glass installers, emissions testing centres, oil change and lube shops, automotive detailing shops, tow truck operators, parking garages, car dealerships, and other similar establishments would benefit from the comprehensive liability protection of this insurance plan.

Ask Our Brokers

Archway Insurance is committed to both vehicle and garage safety. That’s why we equip car dealerships, repair shops, parking garages, and other similar providers with garage liability insurance. Our brokers work with major providers in Canada and tailor coverage options to the needs of Nova Scotia and New Brunswick garage facility operators. With the right liability protection, we can help you keep your reputation for reliable automotive work intact.

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