{"id":19855,"date":"2025-05-09T15:16:18","date_gmt":"2025-05-09T19:16:18","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/"},"modified":"2026-06-26T00:29:22","modified_gmt":"2026-06-26T04:29:22","slug":"auto-body-insurance-compare-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/","title":{"rendered":"Auto Body Insurance \u2014 2026 Premium, Garage Policy QC"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 28px;border-radius:12px;color:#fff;text-align:center;margin-bottom:32px\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Auto-Body-Insurance-in-Quebec-2026-%E2%80%94-Garage-Policy\" >Auto Body Insurance in Quebec 2026 \u2014 Garage Policy<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Body-Shop-Insurance\" >Body Shop Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Risks-specific-to-your-car-body\" >Risks specific to your car body<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Essential-Protections-to-Include\" >Essential Protections to Include<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Premium-2026-%E2%80%94-indicative-table\" >Premium 2026 \u2014 indicative table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Tips-for-lowering-your-premium\" >Tips for lowering your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Frequently-Asked-Questions-%E2%80%94-Auto-Body-Insurance\" >Frequently Asked Questions \u2014 Auto Body Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Helpful-Resources\" >Helpful Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/auto-body-insurance-compare-in-less-than-3-minutes\/#Ready-to-protect-your-car-body\" >Ready to protect your car body?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"color:#fff;font-size:2.1em;margin:0 0 16px;font-family:Sora,sans-serif\"><span class=\"ez-toc-section\" id=\"Auto-Body-Insurance-in-Quebec-2026-%E2%80%94-Garage-Policy\"><\/span>Auto Body Insurance in Quebec 2026 \u2014 Garage Policy<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#cbd5e1;font-size:1.15em;max-width:780px;margin:0 auto 24px;line-height:1.6\">Independent Broker AMF \u2014 15+ insurers compared. Affordable premium, coverage tailored to the specific risks of your industry. <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1.05em\">Free quote in 3 minutes<\/a>\n<div style=\"margin-top:16px;color:#94a3b8\">or call <a href=\"tel:+18663574451\" style=\"color:#10c4c7;font-weight:600\">1-866-357-4451<\/a><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">An auto body shop in Quebec requires a <strong>Garage Policy<\/strong> (same policy as dealerships but focused on service rather than sales). Risks: customer vehicles in the workshop (Garage Keepers), <strong>flammable paint and solvents<\/strong>, paint booth to be respected standards, pollution, repair errors. <\/p>\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\/carrosserie-atelier-1.jpg\" alt=\"Auto Body Shop \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=\"Body-Shop-Insurance\"><\/span>Body Shop 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;\">Bodyshops need <strong>garage insurance<\/strong> that covers vehicles in custody, product liability (defective repairs), specialized equipment (paint booth, presses) and fire risks (solvents).<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Compliance:<\/strong> fluid recovery, cabin ventilation, and I-CAR or equivalent certifications required by insurers and commercial fleets (direct manufacturer insurance).<\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Bodywork insurance covers: customer vehicles in the workshop, paint\/solvents, equipment (elevator, spray booth, straightening bench), mechanical liability\/painting, <strong>gradual and accidental pollution<\/strong>, CNESST employees. Premium: <strong>$3,800 to $9,800\/year<\/strong>. <\/p>\n\n<div style=\"background:#f8fafc;padding:28px 20px;border-radius:12px;margin:32px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px\">\n<div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$3,800+<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">premium avg.<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$5-20M<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Vehicles in the workshop<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">Pollution<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Endorsement required<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$5M<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Recommended RC<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-your-car-body\"><\/span>Risks specific to your car body<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 40px\">\n<div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Customer Vehicles (Garage Keepers)<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Fire in the workshop = 20 customer vehicles destroyed = $1-2 million in compensation. The <strong>Garage Keepers<\/strong> (sub-limit or free) is the central cover. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Paint &#038; Solvents<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Non-compliant paint booth = fire risk + insurance exclusion. <strong>CNESST + environmental<\/strong> standards must be respected. Flammable storage in certified cabinet.  <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Pollution<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Spilled fluids, paint solvents, oils: <strong>sudden<\/strong> &#038; accidental minimum. Gradual pollution requires separate environmental policing. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Repair errors<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Undetected collision to the building that causes an accident: Product liability + $5 million service. <strong>I-CAR, CCC<\/strong> certifications recommended. <\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-to-Include\"><\/span>Essential Protections to Include<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:20px 0 36px\">\n<div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Garage Keepers<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Customer vehicles in the workshop \u2014 total value.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Content + equipment<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Elevator, straightening, spray booth, compressor.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Pollution s&#038;a<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Accidental spills + environmental claims.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">RC $5 million<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Damage to property, bodily injury, repair errors.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;padding:32px 24px;border-radius:12px;text-align:center;color:#fff;margin:36px 0\">\n<h3 style=\"color:#fff;margin:0 0 12px;font-size:1.4em\">Get your custom auto body quote<\/h3>\n<p style=\"color:#cbd5e1;margin:0 0 20px\">Compare up to 3 specialist insurers \u2013 free and without obligation<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600\">Start my quote<\/a>\n<div style=\"margin-top:12px\"><a href=\"tel:+18663574451\" style=\"color:#fff\">\u260e 1-866-357-4451<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premium-2026-%E2%80%94-indicative-table\"><\/span>Premium 2026 \u2014 indicative table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<thead style=\"background:#0d1f2d;color:#fff\"><tr><th style=\"padding:14px;text-align:left\">Profile<\/th><th style=\"padding:14px;text-align:left\">Volume \/ Detail<\/th><th style=\"padding:14px;text-align:left\">Annual Bonus<\/th><\/tr><\/thead>\n<tbody><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Small 1-2 Bay Shop<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Volume &lt; $500,000<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$3,800 \u2013 $5,200<\/td><\/tr><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">3-6 Bay Medium Body<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Volume $800,000 &#8211; $2,000,000<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$5,400 \u2013 $7,200<\/td><\/tr><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Large Workshop + Spray Booth<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Volume $2,000,000 &#8211; $5,000,000<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$7,000 \u2013 $8,800<\/td><\/tr><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Body Shop + Mechanics + Towing<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Full Service<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$8,400 \u2013 $12,600<\/td><\/tr><\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips-for-lowering-your-premium\"><\/span>Tips for lowering your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"background:#f0fdfa;padding:24px 28px 24px 44px;border-radius:12px;color:#0d1f2d;margin:20px 0 36px\">\n<li style=\"margin-bottom:10px;line-height:1.6\"><strong>I-CAR \/ CCC certifications<\/strong> : proof of competency, discounts + more insurers accept.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Daily customer vehicle inventory<\/strong> (entry\/exit): essential if fire.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Certified flammable cabinets<\/strong> + compliant paint booth ventilation.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Environmental management plan<\/strong> (oils, paint): avoids exclusion of pollution.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Auto-Body-Insurance\"><\/span>Frequently Asked Questions \u2014 Auto Body Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How much does auto body insurance cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Average premium: <strong>$3,800 to $12,600\/year<\/strong> depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What protections are essential for a car body?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Minimum: <strong>Commercial liability (2-5 M$)<\/strong>, building\/content (replacement value), equipment, business interruption. Industry-specific endorsements (Garage Keepers, Content + equipment) are often crucial.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Is the CNESST included?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">No. The CNESST is a <strong>mandatory contribution<\/strong> managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Do I have to declare all my income exactly?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Yes. A <strong>underreporting<\/strong> can result in a proportional penalty (<em>proportional rule<\/em>) in case of a claim: if you declared $400,000 but actually make $800,000, you receive <strong>50% of the compensation<\/strong> due.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Are my subcontractors covered by my policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>No<\/strong>. Each subcontractor must have their own liability insurance. Always ask for a <strong>certificate of insurance<\/strong> and add yourself as an <em>additional insured<\/em> on their policy. Otherwise, you remain responsible for the damages they cause.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What is a replacement cost vs depreciated value?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Replacement value<\/strong>: you are reimbursed the current price of an equivalent new piece of equipment. <strong>Depreciated value<\/strong>: amount reduced for wear and tear (e.g., fridge 10 years = 30% of its new value). Replacement value is recommended \u2014 additional cost 10-15%.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Can I insure my commercial vehicles with the same policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Often yes, but sometimes it&#8217;s more advantageous to <strong>separate<\/strong>: distinct commercial fleet policy. We compare both scenarios to choose the most economical one.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How long does it take to be compensated after a claim?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">With <strong>up-to-date inventory + photos + financial documents<\/strong>: settlement in 4-8 weeks. Without evidence: it can drag on for 4-12 months. That&#8217;s why we recommend a digital inventory backed up off-site.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What should I do if my insurer refuses to renew it?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases \u2014 call 1-866-357-4451.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How do I get my auto body quote?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Fill out our <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"color:#10c4c7;font-weight:600\">3-minute form<\/a> with your annual income, area, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. \u260e 1-866-357-4451.<\/div><\/details>\n<div style=\"background:#f0fdfa;padding:32px 24px;border-radius:12px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 16px\">Why choose Assur360<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px\">\n<div><strong style=\"color:#10c4c7\">\u2713 AMF &#038; Chamber of Insurance<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Accredited and certified firm<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 15+ insurers compared<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Intact, Desjardins, Beneva, Aviva, Economical, Belair&#8230;<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 100,000+ Quebecers served<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Since 2008<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 No cost, no obligation<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Our commission is paid by the insurer<\/span><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Helpful-Resources\"><\/span>Helpful Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;margin:20px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Business Insurance Overview<\/a>\n<a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial General Liability $<\/a>\n2-5M<a href=\"\/assurance-biens-commerciaux\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial Properties (Building + Content)<\/a>\n<a href=\"\/assurance-cyber-risques\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Cyber Risks &#038; Wire Fraud<\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:40px 24px;border-radius:12px;text-align:center;color:#fff;margin:40px 0 24px\">\n<h2 style=\"color:#fff;margin:0 0 12px\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-car-body\"><\/span>Ready to protect your car body?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;margin:0 0 24px\">3 minutes \u2014 up to 3 quotes compared \u2014 no commitment<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px\">Start my quote<\/a>\n<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;border:2px solid #fff;margin:4px\">\u260e 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Auto Body Insurance in Quebec 2026 \u2014 Garage, Garage Policy\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/Assurance-entreprise.jpg\",\"datePublished\":\"2026-04-19\",\"dateModified\":\"2026-04-19\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/logo.png\"}}}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Auto Body Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-carrosserie-automobile\/\"}]}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much does auto body insurance cost in Quebec in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Average premium: $3,800 to $12,600\/year depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.\"}},{\"@type\":\"Question\",\"name\":\"What protections are essential for an auto body shop?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Minimum: Commercial liability (2-5M$), building\/content (replacement cost), equipment, business interruption. Specific endorsements for your industry (Garage Keepers, Content + Equipment) are often crucial.\"}},{\"@type\":\"Question\",\"name\":\"Is the CNESST included?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The CNESST is a mandatory contribution managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).\"}},{\"@type\":\"Question\",\"name\":\"Do I need to report all my income exactly?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Underreporting can lead to a proportional penalty (proportional rule) in the event of a claim: if you reported $400k but actually make $800k, you receive 50% of the compensation due.\"}},{\"@type\":\"Question\",\"name\":\"Are my subcontractors covered by my policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Each subcontractor must have their own liability insurance. Always request a certificate of insurance and add yourself as an additional insured on their policy. Otherwise, you remain responsible for the damages they cause.\"}},{\"@type\":\"Question\",\"name\":\"What is replacement cost vs. actual cash value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Replacement cost: you are reimbursed for the current price of an equivalent new piece of equipment. Actual cash value: reduced amount for depreciation (e.g., 10-year-old fridge = 30% of its new value). Replacement cost is recommended \u2014 additional cost of 10-15%.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure my commercial vehicles with the same policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Often yes, but sometimes it's more advantageous to separate: distinct commercial fleet policy. We compare both scenarios to choose the most economical.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take to be compensated after a claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"With up-to-date inventory + photos + financial documents: settlement in 4-8 weeks. Without evidence: can drag on for 4-12 months. That's why we recommend a digital inventory backed up off-site.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if my insurer refuses to renew?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases \u2014 call 1-866-357-4451.\"}},{\"@type\":\"Question\",\"name\":\"How do I get my auto body quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fill out our 3-minute form with your annual income, square footage, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. \u260e 1-866-357-4451.\"}}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Auto Body Insurance in Quebec 2026 \u2014 Garage Policy Independent Broker AMF \u2014 15+ insurers compared. Affordable premium, coverage tailored to the [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45583,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Auto Body Insurance 2026 | Garage Policy QC","_seopress_titles_desc":"Bodywork insurance: customer vehicles, paint, pollution, liability $5 million. Premium $3,800+\/year \u260e 1-866-357-4451. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Auto Body Insurance: Compare in less than 3 minutes","_seopress_social_fb_desc":"Body insurance: compare several offers online. Fast and free quote with our partner brokers. ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Carrosserie-automobile.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Auto Body Insurance: Compare in less than 3 minutes","_seopress_social_twitter_desc":"Compare the best insurance for your body shop in Quebec. Fast, free, no obligation. ","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Carrosserie-automobile-2.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-19855","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=19855"}],"version-history":[{"count":30,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19855\/revisions"}],"predecessor-version":[{"id":57783,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19855\/revisions\/57783"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45583"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=19855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}