{"id":15791,"date":"2017-10-27T10:20:04","date_gmt":"2017-10-27T14:20:04","guid":{"rendered":"https:\/\/www.assur360.ca\/garage-insurance-quick-quote\/"},"modified":"2026-04-20T15:19:03","modified_gmt":"2026-04-20T19:19:03","slug":"garage-insurance-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/garage-insurance-quick-quote\/","title":{"rendered":"Garage Insurance: Quick Quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/01\/assur360-logo.webp\",\n  \"description\": \"Courtier en assurance pour garagistes au Qu\u00e9bec \u2014 FPQ4, responsabilit\u00e9 civile, biens commerciaux, v\u00e9hicules confi\u00e9s.\",\n  \"areaServed\": {\"@type\": \"Province\", \"name\": \"Qu\u00e9bec\"},\n  \"address\": {\"@type\": \"PostalAddress\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"},\n  \"telephone\": \"+1-888-888-8888\",\n  \"priceRange\": \"$$\"\n}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">COMPANY<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Tailor-made business insurance<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Liability, property, business interruption: comprehensive protection for SMEs.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Company<\/a>\n Quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>        \n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/orso-meilleur-courtier-dassurance-entreprise-a-montreal.png\" alt=\"Orso, business insurance broker in Montreal\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-garagistes.jpg\" alt=\"Mechanical mechanic \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Garage-insurance\"><\/span>Garage insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Garage insurance is the <strong>standard policy for car shops<\/strong> in Quebec. It combines goods, general liability, product liability (defective installed parts) and vehicle warranty in custody. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Compliance:<\/strong> required mechanical certifications (CSMOA for license), compliance with the Air Quality Regulation (fluid recovery) and declaration of CSST compliant. Discounts possible if everything is in order. <\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Your car garage, mechanic shop or car wash is exposed to unique risks: customer vehicles in your care, specialized equipment, extended civil liability. With <strong>Assur360<\/strong>, compare the offers of <strong>9+ Quebec insurers<\/strong> certified by the <strong>AMF<\/strong> and get comprehensive coverage adapted to your reality as a garage owner \u2014 FPQ4, commercial property, business interruption \u2014 all with a dedicated broker. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">GARAGE INSURANCE QUEBEC<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-garage-your-equipment-and-your-customers-vehicles\"><\/span>Protect your garage, your equipment and your customers&#8217; vehicles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">FPQ4, Civil Liability, Commercial Property \u2014 comprehensive coverage for automotive professionals in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">QPF4<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Specialized garage policy<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free quote<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and without obligation<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-garage-insurance-FPQ4\"><\/span>What is garage insurance (FPQ4)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The <strong>Quebec Policy Form No. 4 (FPQ4)<\/strong> is an insurance policy specially designed for businesses that have the custody, control or use of vehicles belonging to third parties. Unlike <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">standard car insurance (FPQ1),<\/a> FPQ4 covers both the garage owner&#8217;s vehicles and those entrusted to him by his customers. <\/p>\n\n<p>This insurance is <strong>mandatory<\/strong> for any establishment that takes care of other people&#8217;s vehicles \u2014 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&#8217; vehicles. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-protections-for-your-garage\"><\/span>Essential protections for your garage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>A comprehensive garage insurance program combines multiple coverages to protect every aspect of your automotive business.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\udd27 FPQ4 \u2014 Garage Policy<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Covers vehicles entrusted to you by your customers (collision, theft, vandalism, fire) and those in your fleet. Includes mandatory civil liability (pink card). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83c\udfe2 Commercial Properties<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Protects your building, equipment (lifts, pneumatic tools, test benches), inventory parts and office furniture from fire, theft and water damage.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\u2696\ufe0f Civil liability<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">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.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\uded1 Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Compensates for the loss of income if a disaster (fire, major water damage) forces you to close temporarily. Covers fixed costs: rent, salaries, charges. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83c\udf0d Pollution and the environment<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Protects against claims related to accidental spills of oil, antifreeze or brake fluid \u2014 a real risk in any auto garage.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\udcbb Cyber Insurance<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Protects your IT systems (diagnostic software, customer databases, payment terminals) against cyberattacks and data theft.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Structure-of-the-FPQ4-the-3-chapters-explained\"><\/span>Structure of the FPQ4: the 3 chapters explained<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The FPQ4 garage policy is structured into three distinct chapters, each covering a specific aspect of your business.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;\">\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Chapter<\/th>\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Coverage<\/th>\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Details<\/th>\n        <th style=\"color:#fff;padding:14px 18px;text-align:center;font-size:14px;font-weight:600;\">Required<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">Chapter A<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Civil liability<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Bodily injury or property damage caused to others with garage vehicles or entrusted vehicles. Generates the pink cards. <\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10b981;font-weight:700;\">\u2713 Yes<\/td>\n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">Chapter B<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Garage vehicles<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage to vehicles you own: all-perils, collision, collision, no-collision accident, named perils. Specified maximum benefit amounts. <\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#f59e0b;font-weight:700;\">Recommended<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">Chapter C<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Vehicles entrusted<\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage to your customers&#8217; vehicles in your care. 4 divisions: all-risk, collision, collision-free accident, designated perils. <\/td>\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10b981;font-weight:700;\">\u2713 Essential<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"font-style:italic;text-align:center;color:#64748b;font-size:14px;\">Note: Some insurers add the FAQ 4-70 endorsement to exclude garage vehicles from Chapter C, thereby reducing the premium. Talk to your broker. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:28px 32px;margin:32px 0;\">\n  <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">\ud83d\udca1 Broker&#8217;s Advice \u2014 Fleet Value in Custody<\/p>\n  <p style=\"color:#e2e8f0;font-size:15px;line-height:1.7;margin:0;\">Make sure that your Chapter C limit covers the <strong style=\"color:#10c4c7;\">maximum total value<\/strong> 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 <strong style=\"color:#10c4c7;\">$525,000<\/strong>. A lack of insurance could result in reduced proportional compensation in the event of a claim.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-needs-garage-insurance\"><\/span>Who needs garage insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The FPQ4 applies to any company that takes charge, even temporarily, of vehicles belonging to third parties.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\udd27 Mechanical garages<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">General repair, preventive maintenance, oil changes, brakes, suspension. Customer vehicles on site at all times. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83c\udfa8 Body shops<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Dent removal, painting, windshield repair. Increased risks associated with flammable products (paints, solvents). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\ude97 Used Vehicle Dealers<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Inventory of vehicles on display and road tests. Coverage of the entire fleet and demonstration vehicles. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\udebf Car Washes<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Automatic or manual \u2014 washing equipment can damage vehicles (antennas, mirrors, paint). Cover essential. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83d\ude9b Tugs<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Transport of vehicles that have been involved in an accident or have broken down. Liability during loading, transport and unloading. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">\ud83c\udfe8 Hotels with valet<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Any establishment offering a valet parking service is responsible for the vehicles entrusted by its customers. FPQ4 coverage required. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px 28px;margin:32px 0;\">\n  <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">\u26a0\ufe0f Attention \u2014 Without FPQ4, your personal responsibility is engaged<\/p>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.7;margin:0;\">If a customer vehicle is damaged (fire, theft, vandalism) in your garage <strong>without FPQ4 insurance<\/strong>, you must compensate the customer out of pocket. A single fire destroying multiple vehicles could result in claims of <strong>$200,000 to $500,000<\/strong> or more \u2014 enough to bankrupt the majority of independent garages. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-garage-insurance-cost-in-Quebec\"><\/span>How much does garage insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>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.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;\">\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Type of business<\/th>\n<th style=\"color:#fff;padding:14px 18px;text-align:center;font-size:14px;font-weight:600;\">Estimated<\/th>\n annual premium<th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Key Factors<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Mechanical garage (small)<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$2,500 \u2014 $<\/td>\n5,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">1-3 employees, 5-10 vehicles max on guard<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Mechanical garage (medium)<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$5,000 \u2014 $<\/td>\n12,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">4-10 employees, 15-30 vehicles, lifts<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Body<\/td>\n Shop<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$6,000 \u2014 $<\/td>\n15,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Flammable products, paint booth, increased risk<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Used<\/td>\n Vehicle Dealer<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$4,000 \u2014 $<\/td>\n10,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Inventory size, road tests, fenced lot<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Car<\/td>\n Wash<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$1,800 \u2014 $<\/td>\n4,500<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Type (Automatic\/Manual), Daily Volume<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Tug<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#0d1f2d;font-weight:700;\">$3,500 \u2014 $<\/td>\n8,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Number of vehicles towed, operating radius<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"font-style:italic;text-align:center;color:#64748b;font-size:14px;\">* 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.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-coverage-in-4-steps\"><\/span>How to choose the right coverage in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:24px;margin:32px 0;\">\n  <div style=\"display:flex;align-items:flex-start;gap:20px;\">\n    <div style=\"min-width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#0d1f2d;font-weight:800;font-size:20px;\">1<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:17px;\">Evaluate your fleet in custody<\/h3>\n      <p style=\"color:#334155;margin:0;font-size:15px;line-height:1.6;\">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. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px;\">\n    <div style=\"min-width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#0d1f2d;font-weight:800;font-size:20px;\">2<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:17px;\">Identify your specific risks<\/h3>\n      <p style=\"color:#334155;margin:0;font-size:15px;line-height:1.6;\">Flammable products (bodywork), pollution (oil, antifreeze), road tests (merchants), heavy equipment (lifts). Each activity has its own risks to cover. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px;\">\n    <div style=\"min-width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#0d1f2d;font-weight:800;font-size:20px;\">3<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:17px;\">Compare FPQ4 + FPQ1 combinations<\/h3>\n      <p style=\"color:#334155;margin:0;font-size:15px;line-height:1.6;\">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. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px;\">\n    <div style=\"min-width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#0d1f2d;font-weight:800;font-size:20px;\">4<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:17px;\">Get multiple quotes through a broker<\/h3>\n      <p style=\"color:#334155;margin:0;font-size:15px;line-height:1.6;\">An AMF-certified broker compares the offers of more than 9 specialized insurers. His services are free of charge (he is paid by the insurer) and he accompanies you in the event of a claim. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <h2 style=\"color:#ffffff;font-size:24px;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Protect-Your-Garage-Today\"><\/span>Protect Your Garage Today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 24px;\">Compare the best FPQ4 offers from 9+ Quebec insurers in 3 minutes.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare my options for free<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reducing-the-cost-of-your-garage-insurance\"><\/span>Reducing the cost of your garage insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Security systems<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Surveillance cameras, certified fire alarm, perimeter fencing and night lighting. Insurers reward preventive measures with discounts of <strong>10 to 20 percent<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">History without complaints<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">A clean record over 3-5 years can reduce your premium significantly. Document your risk prevention and management procedures to impress your insurer. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Optimised deductible<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">By increasing your deductible from $500 to $2,500, you can save <strong>15-25%<\/strong> on your annual premium, while maintaining coverage for major losses.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-exclusions-to-be-aware-of\"><\/span>Common exclusions to be aware of<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Like any insurance policy, the QPF4 has important exclusions. Here are the most common ones for garages: <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;\">\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Exclusion<\/th>\n        <th style=\"color:#fff;padding:14px 18px;text-align:left;font-size:14px;font-weight:600;\">Details<\/th>\n        <th style=\"color:#fff;padding:14px 18px;text-align:center;font-size:14px;font-weight:600;\">Solution<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Mechanical<\/td>\n breakdown<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Tire damage and mechanical breakdown not related to an insured<\/td>\n loss<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#334155;\">Specific endorsement<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Normal<\/td>\n wear and tear<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Gradual deterioration due to regular use or maintenance<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#334155;\">Uninsurable<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Insufficient insurance<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">If the value of the vehicles in custody exceeds your limit, proportional<\/td>\n compensation<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#334155;\">Annual Boundary Review<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;\">Pre-existing<\/td>\n pollution<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;color:#334155;\">Soil contamination prior to policy<\/td>\n purchase<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;text-align:center;color:#334155;\">Environmental due diligence<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Garage-insurance-throughout-Quebec\"><\/span>Garage insurance throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Our AMF-certified brokers support garages, body shops and car washes in all regions of Quebec. Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Drummondville<\/strong>, <strong>Longueuil<\/strong>, <strong>Saint-Hyacinthe<\/strong>, <strong>Rimouski<\/strong> or <strong>Rouyn-Noranda<\/strong>, we compare the offers of 9+ insurers to find the best FPQ4 coverage at the best price. Garages located in dense urban areas often benefit from different rates than those in the regions \u2014 a local broker knows the particularities of your market.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;transition:border-color .2s;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">Business Insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your SME with the right commercial coverage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;transition:border-color .2s;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">Car Insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">FPQ1 vs FPQ4: compare the plans for individuals and professionals.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/commercial-vehicle-insurance\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;transition:border-color .2s;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">Commercial Vehicle Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Trucks, vans and commercial fleets \u2014 tailored coverage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;transition:border-color .2s;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">Trucking Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Heavy transport and the carrier&#8217;s liability in Quebec.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Garage-insurance\"><\/span>Frequently asked questions \u2014 Garage insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">What is the difference between FPQ1 and FPQ4?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">FPQ1 is the standard car insurance for individuals, covering a single identified vehicle. The FPQ4 is designed for garages and covers both the owner&#8217;s vehicles (Chapter B) and the vehicles entrusted to them by customers (Chapter C). The civil liability in Chapter A applies to both categories of vehicles.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">Is garage insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">Chapter A (civil liability) is mandatory as soon as you drive vehicles on public roads. In addition, by accepting the custody of other people&#8217;s vehicles, you are legally responsible for the damages they suffer. The FPQ4 is therefore a must for any professional in the automotive sector.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">What does Chapter C of the FPQ4 cover for entrusted vehicles?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">Section C covers damage to your customers&#8217; vehicles while they are in your care. It has 4 divisions: all-risk, collision, comprehensive and non-upsetting accident, and designated perils. Coverage applies whether the vehicles are in your garage, on your property or during a test drive.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">How is the garage insurance premium calculated?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">The premium depends on several factors: the type of activity (mechanics, bodywork, car wash), the number and value of the vehicles entrusted, the size of the establishment, the number of employees, the security measures (alarms, cameras, fences), your claims history and your geographic location in Quebec.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">Does my car wash need an FPQ4?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes. A car wash takes care of its customers&#8217; vehicles, even if briefly. Risks include damage caused by mechanical brushes (antennas, mirrors, paint), slipping on wet surfaces, and theft of property from inside the vehicle. An adapted FPQ4 covers these situations.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">What is the FAQ 4-70 addendum?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">Endorsement FAQ 4-70 excludes vehicles belonging to the garage owner from Chapter C of the FPQ4. This reduces the scope of coverage and, therefore, the insurance premium. The garage owner&#8217;s vehicles are then insured separately via an FPQ1. This is a common strategy for optimizing costs.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">What if a customer claims damage to my garage?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">Document the damage immediately (photos, witnesses, written report). Contact your insurer within 24 to 48 hours to report the claim. Don&#8217;t admit liability or make a direct payment \u2014 let your insurer handle the claim. This is exactly the role of Chapter C of your FPQ4.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;background:#f8fafc;\">Does a garage insurance broker cost more?<\/summary>\n    <div style=\"padding:16px 24px;color:#334155;font-size:15px;line-height:1.7;\">No. The services of an AMF-certified broker are completely free for you. The broker is paid by the insurer via a commission. Its advantage: it compares the offers of more than 9 insurers to find the best FPQ4 coverage at the best price, and it accompanies you in the event of a claim.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre la FPQ1 et la FPQ4 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La FPQ1 est l'assurance auto standard pour les particuliers, couvrant un seul v\u00e9hicule identifi\u00e9. La FPQ4 est con\u00e7ue pour les garagistes et couvre \u00e0 la fois les v\u00e9hicules du propri\u00e9taire (chapitre B) et les v\u00e9hicules confi\u00e9s par les clients (chapitre C). La responsabilit\u00e9 civile du chapitre A s'applique aux deux cat\u00e9gories de v\u00e9hicules.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"L'assurance garagiste est-elle obligatoire au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le chapitre A (responsabilit\u00e9 civile) est obligatoire d\u00e8s que vous faites circuler des v\u00e9hicules sur la voie publique. De plus, en acceptant la garde de v\u00e9hicules d'autrui, vous \u00eates l\u00e9galement responsable des dommages qu'ils subissent. La FPQ4 est donc incontournable pour tout professionnel du secteur automobile.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que couvre le chapitre C de la FPQ4 pour les v\u00e9hicules confi\u00e9s ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le chapitre C couvre les dommages aux v\u00e9hicules de vos clients pendant qu'ils sont sous votre garde. Il comprend 4 divisions : tous risques, collision, accident sans collision ni versement, et risques d\u00e9sign\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment est calcul\u00e9e la prime d'assurance garagiste ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La prime d\u00e9pend de plusieurs facteurs : le type d'activit\u00e9, le nombre et la valeur des v\u00e9hicules confi\u00e9s, la taille de l'\u00e9tablissement, le nombre d'employ\u00e9s, les mesures de s\u00e9curit\u00e9, votre historique de r\u00e9clamations et votre localisation g\u00e9ographique au Qu\u00e9bec.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon lave-auto a-t-il besoin d'une FPQ4 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Un lave-auto prend en charge les v\u00e9hicules de ses clients, m\u00eame bri\u00e8vement. Les risques incluent les dommages caus\u00e9s par les brosses m\u00e9caniques, les glissades sur sol mouill\u00e9 et le vol de biens \u00e0 l'int\u00e9rieur du v\u00e9hicule.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'est-ce que l'avenant FAQ 4-70 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'avenant FAQ 4-70 permet d'exclure les v\u00e9hicules appartenant au garagiste du chapitre C de la FPQ4. Cela r\u00e9duit la port\u00e9e de la couverture et, par cons\u00e9quent, la prime d'assurance.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que faire si un client r\u00e9clame pour un dommage survenu dans mon garage ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Documentez imm\u00e9diatement les dommages (photos, t\u00e9moins, rapport \u00e9crit). Contactez votre assureur dans les 24 \u00e0 48 heures pour d\u00e9clarer le sinistre. Ne reconnaissez pas de responsabilit\u00e9 et ne faites pas de paiement direct.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce qu'un courtier en assurance garagiste co\u00fbte plus cher ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Non. Les services d'un courtier certifi\u00e9 AMF sont enti\u00e8rement gratuits pour vous. Le courtier est r\u00e9mun\u00e9r\u00e9 par l'assureur via une commission.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border-radius:16px;padding:36px;margin:40px 0;\">\n  <h2 style=\"color:#0d1f2d;font-size:22px;margin:0 0 20px;text-align:center;\"><span class=\"ez-toc-section\" id=\"Why-trust-Assur360-for-your-garage-insurance\"><\/span>Why trust Assur360 for your garage insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;\">\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:28px;margin-bottom:8px;\">\u2713<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">AMF certified<\/h3>\n      <p style=\"color:#334155;font-size:14px;margin:0;\">All our brokers are supervised by the Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec.<\/p>\n    <\/div>\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:28px;margin-bottom:8px;\">\u2713<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">ChAD Member<\/h3>\n      <p style=\"color:#334155;font-size:14px;margin:0;\">Chambre de l&#8217;assurance de dommages \u2014 a guarantee of professionalism and ethics.<\/p>\n    <\/div>\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:28px;margin-bottom:8px;\">\u2713<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 6px;\">100,000+ Submissions<\/h3>\n      <p style=\"color:#334155;font-size:14px;margin:0;\">Thousands of Quebec garages have already compared and saved with Assur360.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0;\">\n  <h2 style=\"color:#ffffff;font-size:26px;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Get-your-FPQ4-quote-in-3-minutes\"><\/span>Get your FPQ4 quote in 3 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 32px;\">Compare 9+ Quebec insurers specializing in garage insurance. Free, fast and without obligation.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free online<\/a>\n quote<a href=\"tel:+18888888888\" style=\"border:2px solid #ffffff;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Talk to a broker<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance garagiste\", \"item\": \"https:\/\/www.assur360.ca\/assurance-des-garagistes\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IN BRIEF Garage insurance Garage insurance is the standard policy for car shops in Quebec. It combines goods, general liability, product liability [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46358,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"2026 Quebec Garage Insurance \u2014 FPQ4 from $2,500\/year | Compare","_seopress_titles_desc":"Garage insurance in Quebec: FPQ4 for garages, body shops, car washes and tugs. Compare 30+ insurers with an AMF broker.  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