Automotive Services

Garage Insurance in Ontario

The policy built for businesses that hold other people's cars.

Garage insurance is its own discipline in Canadian coverage: garage liability, garage-keepers, and dealer plates knit together for any business that services, sells, stores, or moves customers' vehicles.

We write garage packages across the trade — mechanics, dealers, storage, towing-adjacent — matched to your OCF and operations.

What the package includes

Garage liability for automotive operations
Garage-keepers for customer vehicles
Commercial property coverage for your premises and leasehold improvements
Tools and equipment coverage, on site and in transit
Limited pollution liability for job-site contaminants
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

What's the difference between garage liability and my CGL?: Garage liability is the automotive-specific form: it wraps premises liability with vehicle operations — road tests, customer cars, plates — that a standard CGL excludes. Automotive businesses need the garage form, not a generic policy.
How much does garage insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get garage insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Garage liability for automotive operations

Garage-keepers for customer vehicles

Commercial property coverage for your premises and leasehold improvements

Tools and equipment coverage, on site and in transit

Limited pollution liability for job-site contaminants

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

What's the difference between garage liability and my CGL?

Garage liability is the automotive-specific form: it wraps premises liability with vehicle operations — road tests, customer cars, plates — that a standard CGL excludes. Automotive businesses need the garage form, not a generic policy.

How much does garage insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get garage insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.