Keep your automotive business moving forward
Your business keeps customers moving. Navacord helps protect the people, property, equipment and vehicles that keep your operation running. Our advisors combine local knowledge with national market access to build practical insurance and risk management solutions around your business.
Built for automotive services
Insurance for Canadian auto dealers, repair shops, autobody businesses and detailers
Automotive service businesses manage complex risks every day, from customer vehicles and specialized equipment to fire, theft, hazardous materials and liability claims. Navacord advisors help you understand these exposures and shape coverage that supports your operations, reputation and long-term goals.
Local insight. National strength.
Coverage and advice built around your operation
No two auto businesses are exactly alike. Your Navacord advisor takes the time to understand how your business operates, the services you provide and the risks that could interrupt your work. With access to leading insurers and specialized expertise across Canada, we help you compare options and build coverage aligned with your needs.
The right insurance program helps protect more than your balance sheet. It supports customer confidence, business continuity and the reputation you have worked hard to build. As your needs change, we stay connected and help keep your coverage aligned with your operation.
Who we help
We support automotive service businesses across Canada with insurance and risk advice tailored to their people, property, equipment and customer vehicles.
Coverage and risk advice for customer vehicles, tools, equipment, property, completed work and day-to-day liability exposures.
Protection for customer vehicles, paint and spray operations, flammable materials, specialized equipment, property and liability risks.
Solutions for accidental vehicle damage, chemical spills, customer injuries, mobile operations, equipment and other detailing-related exposures.
Coverage and risk advice for tire and wheel inventory, installation operations, customer vehicles, specialized equipment, property and liability exposures.
Solutions designed to address customer vehicle damage, mobile operations, tools and equipment, employee safety, liability risks and business interruption exposures.
Coverage and risk advice for commercial fleets, customer vehicles, diagnostic and repair equipment, property, completed work and day-to-day liability exposures.
Specialized support for automotive service risks
Our advisors look beyond the policy to help you identify exposures, strengthen your risk strategy and prepare for the unexpected.
Address damage, theft and other insured losses involving customer vehicles while they are in your care.
Protect the buildings, diagnostic systems, lifts, tools and equipment your team depends on to serve customers.
Help manage claims involving customer injuries, property damage, faulty repairs or allegations tied to your services.
Prepare for accidental spills, leaks and releases involving fuels, oils, paints, solvents and other hazardous materials.
Plan for income loss, extra expenses and recovery needs following an insured interruption to your operations.
Coverage built around your business
Key insurance coverages for automotive service businesses
Your insurance needs depend on your services, location, property, vehicles and risk profile. A tailored program may bring together the following coverages to support your operations and recovery.
- Commercial general liability
Commercial general liability
Responds to covered claims alleging bodily injury or property damage arising from your premises, operations, products or completed work.
Garage automobile coverage
Protects customer vehicles in your care, custody or control, subject to the coverage selected and policy terms.
- Commercial auto insurance
Commercial auto insurance
Covers vehicles used for business, from service trucks and courtesy cars to mobile units and larger fleets.
- Equipment breakdown and tools
Equipment breakdown and tools
Covers eligible repair or replacement costs when critical equipment or insured tools are damaged by a covered event.
- Commercial property
Commercial property
Safeguards buildings, contents, inventory, tools and equipment against covered events such as fire, theft and vandalism.
- Business interruption
Business interruption
Provides eligible income replacement and coverage for continuing expenses when an insured event temporarily disrupts your business.
- Crime coverage
Crime coverage
Protects your business from eligible losses involving theft, robbery, fraud, forgery and employee dishonesty.
- Errors and omissions liability
Errors and omissions liability
Responds to covered claims alleging financial loss caused by professional advice, errors or services you provided.
Pollution liability
Addresses eligible clean-up costs, third-party claims and other expenses arising from accidental pollution events.
Learn from our automotive services insurance experts
"There is no one-size-fits-all approach to insuring automotive businesses. From garage policies and fleet insurance to risk management and claims support, we work closely with clients to build coverage that reflects their operation, complies with provincial requirements and evolves as their business grows."
FAQs for automotive services
Get answers to common questions about protecting an automotive repair, autobody or detailing business in Canada.
Automotive services insurance brings together commercial coverages selected for the risks facing repair shops, autobody businesses and detailers. Your program may include liability, property, garage automobile, commercial auto, business interruption and other specialized protection.
Your needs depend on where you operate, the services you provide and the risks within your business. Common options include commercial general liability, commercial property, business interruption, garage automobile coverage and commercial auto insurance.
Additional protection may be appropriate if you offer towing, mobile services, test drives, storage or work on high-value vehicles. A Navacord advisor can help you assess your exposures and local requirements.
Premiums vary based on factors such as:
- Your shop’s location, size and annual revenue
- The number of employees and vehicles
- The services you provide and vehicles you work on
- Your claims history and risk controls
- The value of your property, tools, equipment and inventory
Coverage limits, deductibles and insurer requirements also affect pricing. Your advisor can compare available options and explain how different choices may affect cost and protection.
Coverage may respond when you have the appropriate policies, limits and endorsements in place. Garage automobile coverage may protect customer vehicles in your care, while commercial general liability may respond to covered allegations of bodily injury or property damage. Coverage remains subject to policy terms, conditions and exclusions.
