Running an auto repair shop, body shop, or dealership isn’t just about servicing vehicles—it’s about managing risk at every turn. From customer liability and high-value equipment to property damage and employee safety, your business demands a level of protection as precise and reliable as the work you do.
Operating a repair shop or garage involves multiple risks. Risks include accidents that could damage customer vehicles to potential liability if a customer or employee is injured on your premises. Garage operations insurance provides comprehensive protection, ensuring that your business can operate smoothly and without the worry of financial losses from unforeseen incidents.
Businesses rely on vehicles for various purposes—transporting goods, delivering services, or, for some, even as a mobile office. Accidents or damages to these vehicles can result in significant financial losses, not just from repairs or replacements but also from potential legal liabilities. Commercial auto insurance provides coverage that personal auto insurance policies simply do not. Our insurance experts ensure your business is protected from these risks.
An auto repair shop in downtown Toronto specializes in luxury vehicles. One day, a customer’s car is damaged while in the shop’s care due to a fire that broke out in the garage. The shop’s garage keepers insurance covers the repair costs for the customer’s vehicle. Having the right vehicle damage protection allows the business to maintain its reputation and avoid a costly out-of-pocket expense.
A car dealership in Guelph has a large inventory of vehicles on its lot. During a severe thunderstorm, several vehicles are damaged by hail stones. The dealership’s garage operations insurance, which includes property and physical damage coverage, pays for the repairs, ensuring the dealership can continue its operations without significant financial loss.
*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989
© 2025 Ferrari & Associates Insurance & Financial Services
