Commercial Insurance
for Automotive Repair Shops & Garages
Commercial Insurance
for Automotive Repair Shops & Garages
Excalibur Insurance keeps Ontario car mechanics working with coverage you can understand and afford.
Excalibur Insurance keeps Ontario mechanics
working with coverage you can understand and afford.
What coverage do I need & where can I save on commercial insurance?
Like most garage owners in Ontario, you’re too busy running your shop and managing your people to review your insurance needs.
Let Excalibur Insurance perform your preventative maintenance, protecting your automotive business from a significant loss by reviewing your coverage and helping make sense of it. There will be coverage that is necessary, coverage that protects your team and tool specific coverage.
Hooking your business up to one of our team members is like attaching on-board diagnostics to your business, shedding light on what is wrong with your coverage and making some suggestions.
How do you protect what you’ve built while being smart with your dollars? Rest assured that the Excalibur team will review all possible coverages to protect you from significant loss.
We always keep these items front of mind.
At Excalibur insurance group, our commercial insurance specialists help you manage risk using our special risk and rate control process. Only buy the coverage you need; you have different options to consider, and we can help you evaluate and understand them.
Garage & auto businesses, we can protect:
- Automotive repair garages
- Auto Specialty shops detailing, tinting & vehicle wrap garage
- Auto service technicians & mechanics
- Auto Body shops & collision repair facilities
- Car washes
- Emission & inspection repair centers
- Engine rebuilding shops
- Glass & windshield repair shops
- Gas stations & gas bars
- Mobile car services
- Lub Oil & filer shops
- Tire Services
- Car dealerships (new & used car sales)
- Recreational vehicle dealers
- Parking garages (including valet service)
- Transmission repair facilities
Let’s Begin with the Coverage You Need to Grow Your Business.
Our Excalibur Insurance Brokers might ask a lot of questions – for good reason. Due to your specialized services, automotive repair and maintenance shops face unique risks. You work with hazardous materials, deal directly with clients, and carry out crucial maintenance tasks for their vehicles daily. You also use expensive mechanical and electrical equipment to perform their services.
The wide range of activities your team members undertake, means there are a number of different risks and exposures you face. Our team wants to ensure you have exactly the coverage you require.
Here are a few areas of specialized concern you may want to consider when reviewing your coverage:
- Property Exposure
from fire caused by oils, solvents, or other flammables, which must be appropriately labelled, stored and separated. Welding exposures are often a part of the operation. They need to be evaluated for proper handling of the tanks and gases and adequate separation from the other operations with a separate room or flash/welding curtains. - Inland Marine Exposure
comes from goods in transit. Employees will run errands to pick up various needed items and transport them back to the operations. Values will vary based on the parts required. The radius will also vary but tends to be local. - Crime Exposures
from Employee Dishonesty and money and securities. There should be inventory control procedures to prevent employee theft. Different individuals should handle all ordering and inventory control to have adequate checks and balances. Cash should be maintained by a cashier with money regularly deposited. - Occupier’s Liability Exposure
is from slips and falls by customers. There is also the attractive nuisance of cars in the parking lots. Customer waiting areas should be provided, and customers must not be permitted in the garage area. Lots should be well-lit, with chains to prevent entrance after hours. Product liability concerns stem from vehicles that are not correctly repaired. Check-off procedures should be in place. - Environmental Impairment Exposures
are from errand running to pick up needed supplies. Vehicles must be regularly checked, in particular the hoists and tow bars. All drivers should have valid licences and their MVRs regularly checked. If towing takes place, a more serious exposure exists. All tow drivers must be experienced in towing. - Automobile Liability Exposures
are from errand running to pick up needed supplies. Vehicles must be regularly checked, in particular the hoists and tow bars. All drivers should have valid licences and their MVRs regularly checked. If towing takes place, a more serious exposure exists. All tow drivers must be experienced in towing. - Automobile Liability Exposures
are from errand running to pick up needed supplies. Vehicles must be regularly checked, in particular the hoists and tow bars. All drivers should have valid licences and their MVRs regularly checked. If towing takes place, a more serious exposure exists. All tow drivers must be experienced in towing. - Garagekeepers Exposure or Garage Auto Coverage
comes from the physical damage losses to customers’ vehicles while in the repair shop’s care, custody and control. Lots must be well-lit and chains in place to prevent transport. Fences and other security may also be appropriate. - Workplace Safety Exposures
come from injury while lifting the vehicle or using hoists. Other non-mechanical lifting exposures could result in back injury, sprains, strains or hernias. - Dealer Plate Coverage
Dealerships have unique coverage needs. They need to be protected should their customer get in an accident while test-driving a vehicle. Depending on the quantity and value of the vehicles the dealership sells they can purchase a liability limit that will cover the cost of vehicle replacement caused by a test driver accident. Dealer plate coverage ensures the vehicles for sale are legal to drive on the road.
These are just a number of the real risks your employees and customers face daily in the repair business. To keep your team operating at its best your Excalibur Commercial Insurance specialist will review coverage options with you.
While you may not need all of the coverages listed below, it’s worth getting familiar with the ways your business can protect its assets. A well protected business is a reliable one – able to confidently take on the next repair without fear of ‘what if’s’
Learn more over at our Blog!
