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Businesses in the automotive sector require liability coverage for their premises and operations to cover property damage and bodily injury to third parties.

There is an additional exposure not covered under a Commercial General Liability policy or the Ontario Auto Policy. Businesses that accept vehicles from others for the purposes of selling, repairing, maintaining, storing, servicing, or parking are considered to be garage operations and require a Garage Automobile Policy. Such businesses also require a policy for liability arising from death, bodily injury, or property damage to third parties, accident benefits for personnel who may not be protected under another policy, and legal liability for physical damage to a customer’s automobile that may occur while the customer’s automobile is in the care, custody, or control of personnel for reasons directly related to the business.

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