Insurance Coverage Built for the Automotive Industry
Whether you’re a mechanic, operate a commercial vehicle, manage a fleet, or run a taxi service, the automotive industry comes with unique risks that require specialized protection. From vehicle damage and liability claims to business interruptions and employee accidents, having the right insurance ensures your operations stay safe, compliant, and financially secure. At isure, we help you find tailored insurance quotes for all types of auto-related businesses, helping you find comprehensive coverage that keeps your vehicles, staff, and customers protected—so you can stay focused on keeping Canada moving:
Auto Mechanic INSurance
As an auto mechanic or shop owner, you understand the risks that come with vehicle repairs. No matter how skilled you are, accidents and mistakes do unfortunately happen from time to time. If one of those mistakes results in a costly liability claim or your shop needs to temporarily close due to damage, having the proper automotive repair insurance coverage is essential. Without it, one large uninsured loss can cripple your business, or even force you to close your doors for good.
That’s why we at isure, a leader in commercial insurance, offer comprehensive automotive repair insurance plans from our approved insurers to protect repair shops like yours. We understand the needs of auto professionals and can provide you with the right protection so that an unexpected event doesn’t jeopardize your livelihood.
Auto Detailer INSurance
Auto detailers restore even the dirtiest of cars back to their former glory with a deep internal and external cleaning. As a detailer, you have some risks associated with your job that very few other jobs face. For this reason, you have a unique set of Auto Detailer insurance policies available to you that protect your business and personal assets.
We offer insurance quotes for garage liability, equipment breakdown, professional liability, and commercial auto coverage for auto detailers.
Commercial Auto insurance
Commercial auto insurance is essential for any business that relies on vehicles to operate, whether you’re transporting goods, meeting clients, or supporting your daily operations. At isure, we provide quotes from top insurers to help you find the right commercial auto coverage for your needs. Policies can include liability insurance to protect you against third-party claims, accident benefits to support drivers and passengers after a collision, and coverage for loss or damage to your vehicles. With the right protection in place, you can keep your business moving confidently and safely.
trucking INSurance
The brokers at isure understand the trucking industry’s challenges so that you can rely on our team for all your trucking and transportation insurance needs. Safety must be prioritized at all times, as this will help ensure continued operation. We will get you the coverage you need and discuss your business to ensure you have the right policy. We will discuss your options, including commercial general liability, property insurance, trucking insurance, cargo and equipment breakdown, and business interruption.
Trucking Insurance will cover the mandatory insurance, which includes third-party liability to help cover expenses if your driver causes an accident that injures another person. This coverage also includes direct compensation for property damage, repair and replacement costs if your vehicle is damaged in a collision caused by another driver. You will also have accident benefits which can help with recovery costs and disability or death benefits, regardless of who is at-fault for the accident. We can also discuss fleet insurance, which will apply to anyone with more than four commercial vehicles.
FAQs
about Professional Automotive Insurance
If I use my personal vehicle for work and get into an accident, will my personal car insurance policy pay for damages?
No, your personal car insurance won’t cover damages if you get into an accident while using your vehicle for work. To be properly protected, you’ll need a commercial auto insurance policy that covers business-related driving.
Is a pickup truck considered a commercial vehicle?
Yes, a pickup truck is considered a commercial vehicle if you use it for work or any business-related purposes. In that case, you’ll need a commercial auto insurance policy to ensure you’re properly protected.
What does Professional Automotive Insurance Covers?
Professional Automotive Insurance provides comprehensive protection for auto-related businesses. It can include Commercial General Liability coverage, insurance for tools and equipment, Commercial Property insurance for your shop or facility, and Commercial Auto insurance for any vehicles used in your operations.
How much does Professional Automotive Insurance cost?
The cost of Professional Auto Insurance varies based on the specific needs of your business. Factors such as the value of your tools and equipment, the cost of your commercial property, the type and number of vehicles you use, and how often your equipment and vehicles are in operation will all affect your premium. Each auto business is different, so pricing is tailored to your unique risks and coverage requirements.
Do I need additional coverage if my auto repair shop also sells used cars?
Yes, you’ll need additional coverage if your auto repair shop also sells used cars. It’s important to discuss these services with your insurer so they can create a policy that properly covers all aspects of your business.
Does my insurance policy cover my mechanics in training?
Yes, your insurance policy should cover your mechanics in training. Most policies protect your business from liability claims and damages caused by employees, including those who are still learning on the job.
What insurance do I need if I operate a fleet of vehicles?
If you operate a fleet of vehicles, you’ll need Commercial Auto Insurance to cover each vehicle. For larger fleets, typically five or more vehicles, it may be more efficient and cost-effective to purchase a Fleet Insurance policy that consolidates coverage for all your vehicles under one plan.
Does this insurance cover damages to a customer’s car while it’s in my care?
Yes, to cover damages to a customer’s car while it’s in your care, you’ll need Garage Liability Insurance. This protects your auto business from liability and financial loss if vehicles are damaged while being serviced or stored.
Do I need garage liability insurance for my automotive business?
Yes, if your automotive business services or repairs vehicles, you should have Garage Liability Insurance. It protects your business from financial loss if any damage occurs to a customer’s car while it’s in your care.
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