GARAGE REPAIR INSURANCE PROGRAM WITH TOW TRUCK AND USED CAR SALES OPERATION

Garage Auto Repair Insurance Program

We tailor design policies to cover insurance needs for Automobile Repair Garage Facilities, Auto Air Conditioning Service Facilities, Body Shops, Car Washes, Engine Rebuilding Shops, Emission and Inspection Centres, Glass, Windshield Repairs, Lube/Oil Change Shops, Muffler Repair Shops, Rust Proofing Shops, Sound System Installation, Transmission Repair Shops, Tune-Up Service and Upholstery Repair Shops. Used and new Car Dealers with Repair Facilities and Tow Truck operations .
Our Comprehensive Policy Coverages are not limited to:

Businesses that accept vehicles from others, for the purposes of selling, repairing, maintaining, storing, servicing, or parking, are considered to be garage operations. This requires a special insurance that adequately addresses the operations that is not usually covered under common General Liability Policies. The Garage Automobile Policy, with liability coverage for premises and operations, will cover property damage and bodily injury to third parties.n the coverage amount.

In Ontario, garage owners and their employees, are not covered by their customers’ policies. Such businesses also require a policy for liability arising from death, bodily injury or property damage to third parties. In addition there is optional accident benefits for personnel who may not be protected under another policy. There is also legal liability for physical damage to a customer’s automobile that may occur while the customer’s automobile is in the care, custody, or control of personnel for reasons directly related to the business.

Property:

Business Contents
Equipment Breakdown
Debris Removal
Blanket By Laws
Exterior Glass
Pollution Clean-up and Removal
Personal Property of Employees
Fire Department Charges
Equipment Breakdown
Equipment Breakdown
Accountants Fees for Business Income
Insured’s Tools
Employee Tools
Building Damage by Theft
Employee Dishonesty
Inside Loss
Outside Loss
Kidnapping
Theft from Custodian’s Home
Medical Expense from Robbery
Money Orders & Counterfeit Currency
Depositors Forgery
Computer Fraud
Incoming Cheque Forgery

Liability:

Commercial General Liability
Personal and Advertising Injury
Medical Payments per Person
Hoist Collision
Bodily Injury
Property Damage
Accident Benefits
Uninsured Automobile
Customer’s Automobile Collision / Upset
Garage Family Protection Endorsement
Legal Liability for Comprehensive Damage to Customer’s
Automobile (Including Open Lot Theft)