Products Personal and commercial automobile Garage owners insurance

Garage owners insurance

Garage owners are responsible for their customers' vehicles, and it is sometimes difficult to find suitable insurance. To give them the peace of mind they need, APRIL offers your automotive clients an all-in-one package that covers property, liability, entrusted vehicles, and professional vehicles, whether they are new in business, have a police record or a high claims frequency, or have simply missed a premium payment.

**Available for  Quebec 

Target

  • Mechanics' garage
  • Mobile mechanics
  • Towing
  • Sale of second-hand vehicles
  • Car wash
  • RNon-eligible risks : repair garage for racing vehicles or vehicles modified for performance (tuning...), short-term vehicle rental, sale of new vehicles, sale and repair of recreational vehicles.

Coverage

  • FPQ No1 : Owners form
  • FPQ No4: garagists form, up to $200 K per vehicle
  • Property insurance
  • Commercial Liability

Underwriting norms

  • Quebec-based operations, up to 20% exposure outside Quebec
  • Rehabilitation program available for certain renewals (more flexible premiums)
  • Service and courtesy vehicles:
    • Current vehicle value up to $200K

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