UNDERSTANDING THE RISKS
Key areas of garage auto liability coverage
Garage auto liability policies include several important coverages that address the most common risks auto businesses face in their daily operations. Garage auto liability coverages, limits, and policy wording can vary by province and insurer. Your local Navacord office can help you understand the options available in your region and build coverage tailored to your business.
Garage operations liability
This coverage helps protect your auto business from third-party injuries or property damage claims, such as an accident during a test drive or an injury caused by a hazard on your premises.
Customer vehicle damage
If a customer’s vehicle is damaged while in your care, custody, or control, this protection can help cover the costs of a resulting liability claim.
Owned business vehicles
If there is an accident involving a vehicle owned by your shop, such as a service vehicle, courtesy vehicle or dealer vehicle, this can help with injury or property damage claims and associated legal expenses.
Non-owned automobile liability
This can protect your business when a vehicle you don’t own is used for business purposes. For example, if an employee uses their personal vehicle to pick up parts and gets into an accident.
PROUDLY SUPPORTING CANADA’S AUTO BUSINESSES
Why choose Navacord for your garage auto liability
Navacord combines auto industry expertise with tailored advice and reliable claims support to help your auto business navigate your most crucial insurance needs.
Auto expertise
Our experts have diverse experience working with a wide range of auto businesses from coast to coast.
Local touch
With local branches across the country, we’ll get to know your auto business and recommend the ideal liability coverage.
Claims support
Our in-house claims team is here to advocate on your behalf and help ensure your claim is resolved efficiently.
Learn from our garage auto liability experts
A Garage Policy is designed to protect your business when customer vehicles are in your care, custody, or control. But not every garage, dealership, or repair facility operates the same way. That's why your coverage should be tailored to your specific operation. Connect with one of our advisors to ensure your Garage Policy is as customized as the toolbox you rely on every day.
FAQs for garage auto liability
If your business sells, repairs, services, stores or moves vehicles, you need garage auto liability coverage. Some of the common auto businesses that invest in this coverage include repair and body shops, dealerships, auto glass shops, towing companies, detailers, and businesses with valet parking.
Garage auto liability insurance is designed specifically for the unique risks of auto businesses. It can provide protection from third-party injury and property damage claims that result from your business’ daily operations, and driving customer vehicles.
Garage auto liability does not cover damages to your non-auto related business property, and it does not cover your work such as faulty parts or repairs. It also does not cover employee injuries.
Navacord offers a range of other coverages to protect your auto business. Please reach out to advisors to ensure you have a comprehensive coverage plan.
The price of your garage auto liability policy will depend on a number of factors such as:
- the type and location of your auto business,
- the value of the vehicles your business owns,
- the total number of employees your business has,
- the specific options and limits within your coverage,
- the total value of customer vehicles in the insured's care, custody, or control at any one time, and
- the nature of operations being performed.
Your business’ insurance and claims history will also factor into the cost.
