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A mechanical garage or body shop has unique risks that general commercial policies do not cover: entrusted customer vehicles, road tests, lifting, accidental pollution (oil, antifreeze, hydraulic fluid), repair errors that cause an accident. A suitable “Garage Owner” policy combines all these protections in one product.
IN BRIEF
Garage Insurance
Garages insure the customer’s vehicles (garages) in addition to their equipment. The garage policy covers damage to repaired vehicles and test drives.
Essential:care, custody and control guarantee. Without it, a customer vehicle damaged during the repair is not covered. This is the #1 item of garage claims.
Garage Specific Protections
Customer Vehicles
Damage to cars entrusted for repair, test drive, parking. Often $250,000 to $1 million limit.
Garage liability
A repair error that causes an accident after the vehicle is returned to the customer.
Oil spills, antifreeze, solvents — cleaning and environmental responsibility.
Business interruption
Loss of income if the garage has to close after a fire or water damage.
Property and building
Inventory of parts, tires, tools, furniture, leasehold improvements.
💡 Broker’s advice
The detailed list of vehicles in your garage should be updated daily. In the event of a fire at night, the insurer will ask for the exact list of vehicles. A computer system that records entry/exit with photos and signatures protects your coverage. A garage owner without a clear inventory can have their claim delayed for several months.
Frequently Asked Questions
How much does garage insurance cost in Quebec?
For an independent mechanical garage with 3 to 6 bays: between $2,000 and $5,500 per year. Body shops or specialized shops (high-end, exotic cars) pay more because of the value of the vehicles entrusted to them ($5,500 to $15,000).
Are customers’ vehicles covered by my civil liability?
No — commercial liability excludes entrusted assets. You need a specific “customers’ autos” endorsement. The limit should be the maximum value of the vehicles you receive at the same time (typically $250,000 to $1 million).
A customer leaves the garage and has an accident because of my repair — am I covered?
Yes, via garage liability (“products and completed operations”). Example: improperly installed brakes, loose wheel bolts, contaminated brake fluid. Typical limit: $2 million per claim. Always get a customer signature on the work order that outlines the repairs made.
Are spilled fluids on the floor a problem?
Yes — accidental pollution can result in a clean-up bill of $10,000 to $100,000 if the oil reaches the storm water system or subsoil. The gradual pollution endorsement (cost $500 to $1,500/year) is strongly recommended.
My employees test drive — is it covered?
Yes, if your policy includes test drives within a reasonable radius. Tests on a closed course or on the road at high speed (diagnosis of a sports engine) may be excluded. Declare these activities at the time of subscription if they are part of your service.
Are tyres stored outdoors covered?
Tires stored inside are covered against theft and fire. Tires stored outdoors unfenced may be excluded or limited. Provide secure storage for large volumes (winter/summer).
My workshop uses flammable products (paint, solvents) — restrictions?
The insurer will require that your paint booth comply with municipal and fire standards. An annual inspection certificate may be requested. Storing solvents in excess of 200 L often requires an approved safety cabinet.
I also repair heavy vehicles (trucks, buses) — even police?
No — heavy vehicles require a specialized policy with higher limits (vehicle and liability). Some insurers refuse mixed garages. Your broker identifies the right insurer for your clientele.
Am I responsible if a customer forgets a piece of jewelry or a bag in their vehicle?
The client’s personal belongings are generally excluded from your coverage. Ask customers to remove their valuables before leaving the vehicle. Written notice at your premises limits your liability in the event of theft.
Mechanical garages throughout Quebec
Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. Independent shops, franchises (Midas, Monsieur Muffler, Pneus Touchette), dealers and specialists: our brokers place your risk with insurers who are familiar with the requirements of the Quebec automotive sector.
100% online quote, free of charge, with comparison of several Canadian insurers.
