Garage Liability Insurance

Dan Lawrie Insurance Brokers offers a specialized Garage Liability Insurance program built for auto repair shops, service stations, and garage operations throughout Ontario, Canada. Focused on practical, market-ready solutions, Dan Lawrie helps agents place garage and automotive risks with confidence and speed.

Ideal Accounts and Appetite

This program fits a broad range of garage-related businesses, including:

• Independent auto repair shops
• Service stations and fuel retailers
• Collision and body repair facilities
• Tire and lube shops
• Car dealerships with service bays

Dan Lawrie is comfortable with single-location operations up to multi-bay shops within the Greater Toronto Area and across Ontario. Agents will find the program most attractive for accounts that demonstrate formal safety programs, well-maintained equipment, and documented employee training. Higher-risk classes (e.g., extensive heavy-duty diesel repair, salvage operations, or major RV/body fabrication) may require additional underwriting review or referral.

Coverage Highlights and Advantages

The Garage Liability Insurance program delivers broad protection tailored to the exposures auto-service businesses face, including:

• Garage Liability — Primary liability coverage for operations that expose the insured to bodily injury, property damage, and personal/advertising injury.
• Service Station Liability — Specific wording for fuel retailers and service islands to address operational exposures.
• Buildings, Contents, Stock & Equipment — Physical damage coverage for tools, lifts, diagnostic equipment, parts inventory, and shop furnishings.
• Crime Coverage — Protection for losses from employee dishonesty, forgery, robbery, and burglary.
• Business Income & Extra Expense — Coverage for lost income and additional expenses if a covered peril interrupts operations.
• Owned, Customer & Courtesy Vehicles — Physical damage options for customer vehicles in care, custody, and control, available as legal liability or direct-physical-damage coverage regardless of fault.

Additional Insurance Options

• Garage Commercial Umbrella Insurance
• Workers Compensation Insurance for shop employees
• Commercial Auto Insurance for business-use vehicles
• Employment Practices Liability Insurance (EPLI)
• Life and other personal lines solutions for garage owners

Underwriting Notes and Placement Guidance

Underwriters for this program favor shops that maintain written safety procedures, perform regular equipment inspections, and document technician certifications. Be prepared to provide:

• Loss history for the past 3–5 years
• Details on shop operations (services performed, number of bays, lifts, hoists)
• Photos of the premises and equipment (if requested)
• Information about employee training and any formal safety program

Accounts with frequent customer storage over long periods, high-value specialty vehicles, or significant flammable storage may require additional terms or limited capacity.

Territories and Availability

This program is focused on businesses operating in Ontario, Canada. For accounts near provincial borders or with multi-province exposures, contact Dan Lawrie for guidance on territory handling and possible exceptions.

Why Work With Dan Lawrie Insurance Brokers

Dan Lawrie is a trusted general agency with deep experience in garage and automotive risks. Agents benefit from:

• Targeted market access for niche garage liability coverage
• Underwriters who understand automotive shop operations
• Competitive terms and flexible endorsements tailored to shop exposures
• Responsive support through quote, binding, and policy servicing

Example scenarios: You might have a client who runs a two-bay collision repair shop in Toronto seeking coverage for customer vehicles and business interruption after a fire loss. Or a service station owner needing combined liability and crime coverage for cash-handling exposures. Both are the types of accounts this program is designed to place.

Work with Dan Lawrie Insurance Brokers to compare coverage options, evaluate pricing, and secure policy terms that match your client’s operational risks.