Commercial Automotive Insurance

Whether you operate a business that deals with custom automotive builds, collision, mechanical repair, or are a motor dealer; having the right commercial automobile insurance policy in place is critical in helping protect your organization and its assets. Although the basic garage policy is mandatory, general liability, equipment breakdown and coverage limits are tailored according to the business needs. We cover businesses from one location shops, mobile repair operation, or multi-location dealers. The experts in the Reliance Insurance Commercial Auto Division can make sure you have the proper coverage in place for your business.

Types of commercial automotive insurance

Garage Policy – provides coverage for any damage that may arise through the negligence of those working on or operating vehicles. This policy is mandatory and is issued by the province of British Columbia. Our experts have a firm grasp of how this coverage works and what is required for your business vehicles.

Commercial General Liability – coverage can be in place to protect your business and owners should you be sued for bodily injury or property damage. It can cover for on premises purposes and/or for operational conditions such as service repair vehicles that go to your customer, such as tow truck drivers or mobile mechanics.

Equipment Coverage – covers any equipment owned or leased by your company. The coverage can be either on a replacement cost or actual cash value basis. We have the understanding to help guide you in determining which option is best for you.

With properly structured coverages in place our experts can give you the confidence in knowing you have the insurance program necessary to keep your business up and running in the event of a loss.

Is insurance enough to help a business thrive?

No, not from our experience, which is why we also offer risk services that help our customers avoid losses in the first place, and recover from them as quickly as possible if they do. For example, we offer

  • Brand protection planning & training
  • Advanced defensive driver training for commercial trucks and private passenger vehicles
  • Fleet management technology solutions
  • And 50+ other risk mitigation and recovery services depending on your needs.

Click here for a 3 minute video of one of our popular defensive driver training courses

Commercial automotive insurance is recommended for:

  • Autobody repair shops
  • Automotive mechanical repair shops
  • Custom automotive builders
  • Collision and repair garages
  • Mobile mechanical services
  • Glass repair shops
  • Tow truck operators

Contact one of our commercial auto insurance experts for more information on how we can help with your insurance and risk management needs.


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