682794 Road 68, Thamesford, ON, Canada
Commercial Insurance for the Automotive Industry
Coverage Designed Around How Your Automotive Business Operates
Automotive businesses face a unique combination of risks — customer vehicles in your care, fuel operations, mechanical work, equipment exposure, environmental concerns, and high customer traffic. Whether you sell parts, service vehicles, operate a gas bar, or run a car wash, your insurance coverage must match your specific automotive operations, not a generic garage policy.
We provide commercial insurance solutions tailored to a wide range of automotive industry businesses, ensuring your coverage reflects how you operate, what services you provide, and the risks involved in your day‑to‑day operations.
Purpose-Built Coverage for Automotive Professionals
Automotive businesses evolve — new equipment, added services, changes in fuel operations, or expansion of repair capabilities can all impact your insurance needs. We take the time to understand your automotive operation and structure coverage that protects your property, your customers’ vehicles, and your business reputation.
Protect your family with Charlene Dury Insurance Advisor
Automotive operations carry specialized risks that require carefully structured coverage. Your insurance program may include:
- Garage Liability Insurance for bodily injury or property damage arising from operations
- Garage-keepers Legal Liability for customer vehicles in your care, custody, or control
- Commercial Property Coverage for buildings, equipment, tools, and inventory
- Environmental or pollution considerations, where applicable
- Commercial Auto Coverage for business‑owned or service vehicles
- Business Interruption Coverage to help protect income following a covered loss
We ensure your policy reflects how customers interact with your business, how vehicles are handled, and what services are actually provided, helping avoid coverage gaps.
Why Automotive Businesses Trust Us
✔ Experience across diverse automotive classes
✔ Coverage aligned with specific automotive operations
✔ Access to insurers familiar with garage and fuel risks
✔ Clear separation between repair, fuel, wash, and retail exposures
✔ Ongoing reviews as services or equipment change
Automotive Businesses We Can Insure
We offer coverage for a broad range of automotive operations, subject to underwriting review and applicable guidelines. Coverage is structured to address vehicle care, customer interaction, equipment exposure, and operational complexity.
Automotive Parts, Accessories & Sound Equipment
Insurance is available for businesses engaged in:
- Retail sales of aftermarket automotive parts and accessories
- Installation and repair of vehicle sound and entertainment equipment
- Incidental wholesale sales to other automotive businesses
Coverage is designed for controlled retail and installation environments, with automotive sales and service as the primary exposure.
Mechanical Repair Garages
We insure non‑self‑serve garages providing:
- General mechanical service and repair of customer vehicles
- Routine maintenance and diagnostics
- Incidental body work performed as part of mechanical repairs
Policies are structured for standard passenger vehicle servicing rather than specialty, heavy, high‑performance, or restoration vehicles.
Specialty Automotive Repair Shops
Coverage is available for automotive businesses specializing in services such as:
- Oil and lube services
- Brake, suspension, radiator, and exhaust system repair
- Air conditioning and electrical system servicing
- Transmission shops, wheel alignment, glass replacement, and upholstery
Insurance reflects focused, trade‑specific repair work performed on standard passenger vehicles.
Automobile Body & Paint Shops
We insure businesses primarily engaged in:
- Exterior body repair and refinishing of automobiles and trailers
- Collision repairs and cosmetic restoration
- Paint and surface finishing operations
Coverage can be coordinated where incidental mechanical services are also performed.
Gas Bars & Service Stations
Insurance solutions are available for:
- Full‑service gas bars, where attendants refuel vehicles with gasoline, diesel, or propane
- Self‑serve gas bars, where customers fuel their own vehicles
- Service stations offering fuel, lubrication services, minor repairs, and incidental convenience sales
Coverage reflects fuel handling exposure, customer traffic, and onsite operations.
Car Wash Operations
We provide coverage for:
- Automated car wash facilities
- Full‑service car washes with attendants performing hand washing without custody of vehicle keys
- Self‑serve car wash facilities, including pressurized jet‑wash operations
Policies are designed around washing and detailing exposures rather than repair or fueling activities.
Automobile Storage – Incidental
Insurance is available for:
- Incidental vehicle storage as part of another automotive operation
- Secure short‑term storage of customer vehicles awaiting service or pickup
Coverage applies where storage is not the primary business activity.
Coverage Designed to Fit Your Automotive Operation
Automotive businesses evolve — new equipment, added services, changes in fuel operations, or expansion of repair capabilities can all impact your insurance needs. We take the time to understand your automotive operation and structure coverage that protects your property, your customers’ vehicles, and your business reputation.
Coverage Designed Around How Your Automotive Business Operates
👉 Request a quote or speak with me today to review your Automotive Business needs and receive a customized insurance quote
Charlene Dury, Insurance Advisor - Heartland
682794 Rd 68, Thamesford, ON, Canada
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