Auto Body Insurance in Toronto, Ontario

Why Choose SIG?

At SIG, we understand the challenges that come with running an automotive business. Whether you specialize in repairs, bodywork, tires, wheels, or transmissions, Automotive Shop Insurance is designed to protect your shop, your team, and your reputation in Toronto.

• Industry-Specific Coverage: Tailored insurance solutions for auto service, repair, and bodywork businesses.
• Customizable Protection: Flexible policies built around the size, services, and equipment of your business.
• Competitive Rates: We work with leading insurers to find the best value for automotive professionals.
• Fast Claims Support: Quick, fair resolutions to keep your shop operating with minimal interruption.
• Local Experts: Our Toronto team knows the automotive industry and is ready to support you 24/7.

📞 Speak with an advisor today: Call 1-416-628-3101

What is Automotive Shop Insurance?

Automotive Shop Insurance protects your automotive business from the financial risks associated with vehicle repairs, customer claims, property damage, employee injuries, and equipment loss. Whether you run a small repair shop or a large collision center, having proper insurance coverage is essential for protecting your reputation and your bottom line.

Common protections included:

• Garage Liability Insurance: Covers accidents, injuries, or property damage linked to your business operations.
• Garagekeepers Insurance: Protects customer vehicles while they are in your care, custody, or control.
• Commercial Property Insurance: Covers your building, tools, lifts, diagnostic equipment, and inventory.
• Business Interruption Insurance: Replaces lost income if your shop must temporarily close due to a covered event.
• Workers’ Compensation: Covers employees injured on the job in your facility or on a customer visit.
• Commercial Auto Insurance: Covers company vehicles used for pickups, deliveries, or service calls.

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Why You Need Automotive Shop Insurance in Toronto

Running an automotive business involves daily risks — from vehicle accidents on-site to tool theft, employee injuries, or dissatisfied customers. Without the right protection, a single claim could put your entire operation at risk.

Automotive Shop Insurance helps you:

• Protect your shop from lawsuits, injuries, and property damage claims.
• Safeguard customer vehicles against theft, vandalism, or accidents.
• Cover costly equipment and inventory losses from fire, theft, or natural disasters.
• Keep your business financially secure and operating smoothly after unexpected events.

Don’t leave your business vulnerable — protect your future with SIG.

Common Coverage Options for Automotive Shop Insurance

• Garage Liability Insurance: Covers third-party injury and property damage claims.
• Garagekeepers Insurance: Protects customer vehicles at your facility.
• Commercial Property Insurance: Covers the shop building, contents, and specialized repair equipment.
• Business Interruption Insurance: Replaces lost income during a covered shutdown.
• Commercial Auto Insurance: Covers business-owned vehicles used for parts pickup, deliveries, or service work.
• Workers’ Compensation: Covers injuries to employees on the job site.

Factors That Impact Automotive Shop Insurance Costs in Toronto

• Type of Services Offered: Collision repair, mechanical service, tire sales, and performance tuning all carry different risk profiles.
• Value of Equipment and Tools: Higher-value assets may require additional property coverage.
• Shop Size and Revenue: Larger shops or those handling high volumes of customer vehicles may pay higher premiums.
• Claims History: A history of few or no claims can help lower your rates.
• Location Risk Factors: Theft, vandalism, and weather risks can affect premiums based on your shop’s physical location.

Filing a Claim

Visit our Claims page for instructions on how to proceed.

Frequently Asked Questions

Is Automotive Shop Insurance insurance mandatory in Toronto?

While not legally required, most landlords, lenders, and clients require proof of active insurance coverage before allowing you to operate.

Does Automotive Shop Insurance insurance cover customer vehicles?

Yes, Garagekeepers Insurance provides protection for vehicles left in your care during repairs or storage.

How can I lower my Automotive Shop Insurance insurance premiums?

• Maintain good shop security (alarms, cameras, fencing).
• Train employees on safety procedures to reduce accidents.
• Bundle your liability, property, and auto policies through SIG for discounts.