Customer vehicles, owned vehicles and garage activities require a coordinated review.
Services, customer vehicle values, test drives and storage practices.
How are custody, road testing and damage to customer vehicles described?
Start my business enquiry →Hypothetical situation
A customer's vehicle is damaged while in the garage's custody.
Ask which wording, conditions and notification requirements would apply. A scenario does not establish coverage or guarantee an outcome.
A dedicated automobile form for businesses that handle customers’ vehicles.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
Repair shops, dealerships, body shops, detailers, towing and valet.
A standard commercial auto policy will not respond to customer vehicles in your care. Wrong form entirely.
Ontario has a distinct FSRA-filed Garage Certificate of Insurance, and OEF 71 excludes owned automobiles under OAP 4.
| Canonical name | Garage Policy |
|---|---|
| Abbreviation | SPF 4 |
| How it is bought | Standalone |
| Category | Automobile |
| Typical limits | Range only, with the basis stated — Canada publishes no commercial tariff |
Limits are written to the exposure and to what your contracts demand, not to a rule of thumb. Any page quoting a single “standard” limit for a class of business is quoting one broker’s habit.
One request, and someone licensed to place this coverage picks it up.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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