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Your car garage, mechanic shop or car wash is exposed to unique risks: customer vehicles in your care, specialized equipment, extended civil liability. With Assur360, compare the offers of 30+ Quebec insurers certified by the AMF and get comprehensive coverage adapted to your reality as a garage owner — FPQ4, commercial property, business interruption — all with a dedicated broker.
GARAGE INSURANCE QUEBEC
Protect your garage, your equipment and your customers’ vehicles
FPQ4, Civil Liability, Commercial Property — comprehensive coverage for automotive professionals in Quebec.
Get my free quoteWhat is garage insurance (FPQ4)?
The Quebec Policy Form No. 4 (FPQ4) is an insurance policy specially designed for businesses that have the custody, control or use of vehicles belonging to third parties. Unlike standard car insurance (FPQ1), FPQ4 covers both the garage owner’s vehicles and those entrusted to him by his customers.
This insurance is mandatory for any establishment that takes care of other people’s vehicles — mechanic garages, body shops, car washes, tow trucks, used vehicle dealers, valet hotels and dent repair centres. Without it, you are personally liable for any damage to your customers’ vehicles.
Essential protections for your garage
A comprehensive garage insurance program combines multiple coverages to protect every aspect of your automotive business.
🔧 FPQ4 — Garage Policy
Covers vehicles entrusted to you by your customers (collision, theft, vandalism, fire) and those in your fleet. Includes mandatory civil liability (pink card).
🏢 Commercial Properties
Protects your building, equipment (lifts, pneumatic tools, test benches), inventory parts and office furniture from fire, theft and water damage.
⚖️ Civil liability
Covers bodily injury or property damage caused to third parties in the course of your business, such as a customer slipping in your shop, a failure to repair your shop, etc.
🛑 Business interruption
Compensates for the loss of income if a disaster (fire, major water damage) forces you to close temporarily. Covers fixed costs: rent, salaries, charges.
🌍 Pollution and the environment
Protects against claims related to accidental spills of oil, antifreeze or brake fluid — a real risk in any auto garage.
💻 Cyber Insurance
Protects your IT systems (diagnostic software, customer databases, payment terminals) against cyberattacks and data theft.
Structure of the FPQ4: the 3 chapters explained
The FPQ4 garage policy is structured into three distinct chapters, each covering a specific aspect of your business.
Note: Some insurers add the FAQ 4-70 endorsement to exclude garage vehicles from Chapter C, thereby reducing the premium. Talk to your broker.
💡 Broker’s Advice — Fleet Value in Custody
Make sure that your Chapter C limit covers the maximum total value of vehicles you can have in your custody at the same time. If you have 15 vehicles with an average value of $35,000, your coverage must be at least $525,000. A lack of insurance could result in reduced proportional compensation in the event of a claim.
Who needs garage insurance?
The FPQ4 applies to any company that takes charge, even temporarily, of vehicles belonging to third parties.
🔧 Mechanical garages
General repair, preventive maintenance, oil changes, brakes, suspension. Customer vehicles on site at all times.
🎨 Body shops
Dent removal, painting, windshield repair. Increased risks associated with flammable products (paints, solvents).
🚗 Used Vehicle Dealers
Inventory of vehicles on display and road tests. Coverage of the entire fleet and demonstration vehicles.
🚿 Car Washes
Automatic or manual — washing equipment can damage vehicles (antennas, mirrors, paint). Cover essential.
🚛 Tugs
Transport of vehicles that have been involved in an accident or have broken down. Liability during loading, transport and unloading.
🏨 Hotels with valet
Any establishment offering a valet parking service is responsible for the vehicles entrusted by its customers. FPQ4 coverage required.
⚠️ Attention — Without FPQ4, your personal responsibility is engaged
If a customer vehicle is damaged (fire, theft, vandalism) in your garage without FPQ4 insurance, you must compensate the customer out of pocket. A single fire destroying multiple vehicles could result in claims of $200,000 to $500,000 or more — enough to bankrupt the majority of independent garages.
How much does garage insurance cost in Quebec?
The cost of garage insurance varies depending on several factors: the type of activity, the number of vehicles entrusted to you, the value of your equipment and your claims history.
* Indicative rates for 2026 in Quebec. The actual price depends on your profile, location and history. Get a free personalized quote for an exact price.
How to choose the right coverage in 4 steps
Evaluate your fleet in custody
Count the maximum number of vehicles in your garage at the same time. Estimate the average value of each to determine the coverage needed in Chapter C of your QPF4.
Identify your specific risks
Flammable products (bodywork), pollution (oil, antifreeze), road tests (merchants), heavy equipment (lifts). Each activity has its own risks to cover.
Compare FPQ4 + FPQ1 combinations
For your personal vehicles, a separate QFT1 may be more advantageous than including everything in the QPF4. Your broker can calculate the optimal combination for your situation.
Get multiple quotes through a broker
An AMF-certified broker compares the offers of more than 30 specialized insurers. His services are free of charge (he is paid by the insurer) and he accompanies you in the event of a claim.
Protect Your Garage Today
Compare the best FPQ4 offers from 30+ Quebec insurers in 3 minutes.
Compare my options for freeReducing the cost of your garage insurance
Security systems
Surveillance cameras, certified fire alarm, perimeter fencing and night lighting. Insurers reward preventive measures with discounts of 10 to 20 percent.
History without complaints
A clean record over 3-5 years can reduce your premium significantly. Document your risk prevention and management procedures to impress your insurer.
Optimised deductible
By increasing your deductible from $500 to $2,500, you can save 15-25% on your annual premium, while maintaining coverage for major losses.
Common exclusions to be aware of
Like any insurance policy, the QPF4 has important exclusions. Here are the most common ones for garages:
Garage insurance throughout Quebec
Our AMF-certified brokers support garages, body shops and car washes in all regions of Quebec. Whether you are in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Drummondville, Longueuil, Saint-Hyacinthe, Rimouski or Rouyn-Noranda, we compare offers from 30+ insurers to find the best FPQ4 protection at the best price. Garages located in dense urban areas often benefit from different rates than those in the regions — a local broker knows the particularities of your market.
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Frequently asked questions — Garage insurance
Why trust Assur360 for your garage insurance?
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