Simplifying Garage Insurance
Getting the right garage insurance can be a puzzle. It’s not always a walk in the park to find the perfect mix of coverage and cost. Sometimes, you’ve have no choice—it’s mandatory. And yes, those premiums can be a pain. But ask yourself, is it worth it to shield yourself from a big, bad loss? That’s where we step in to help put all the pieces together.
What We Do
We offer you a range of insurance options from different carriers, each with their own prices and coverage, to find the perfect plan for you.
We provide a personal touch - from start to finish, you'll have a single point of contact, a real person who's here for you. No bouncing between multiple customer service reps.
We ensure accuracy - with online insurance calculators, it's easy to make mistakes without even realizing it. This can lead to either overpaying for coverage or being underinsured. When you work with us, you're partnering with trusted professionals you can count on.
We educate you - as licensed brokers, we meet higher standards compared to online insurance tools, banks, or direct writers.
common misunderstanding is that you'll pay extra due to the brokerage's commission. But that's not the case. We're paid by the insurance companies, not you. And rest assured, we only recommend plans that truly fit your needs.
BENEFITS & MISSION
Why Choose BrokerUnion?
The main differences between the big banks and boutique brokerage firms like us are:
1. More Options
We’re not tied to one insurance company. We shop around to find you the best rates and options.
2. We Work For You
We always act in your best interest, and your privacy is as sacred as a lawyer’s confidentiality agreement. Unlike Insurance companies that offer only their own insurance, we are not obligated to the insurance companies.
3. Experienced Team
We have the expertise to handle any situation, all while providing the personal touch you deserve. Professionalism and friendliness are our hallmarks.
4. Personal Relationships
We believe in sitting down and having a real conversation with you. Your situation is unique, and you deserve a tailored solution.
5. Education
We’re not just brokers; we’re educators. Our goal is to provide you with all the information you need to make informed decisions.
What Sets Us Apart
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage of the Year (in the under 25 brokers category) because we focus on choices, education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
What Exactly is Garage Insurance?
It’s like a shield for your business. If someone gets hurt or their stuff gets damaged at your place, Garage Liability Insurance is the safety net. Imagine a customer slipping in your repair shop or an accident involving their car in your care. This is where Garage Liability steps in.
What’s Covered?
Bodily Injury: medical bills and legal fees if someone’s hurt on your property or due to your operation.
Property Damage: Costs associated with damaging someone else’s stuff, like a customer’s car under your watch.
What’s Not Covered?
Your own stuff. This insurance is all about third-party issues.
Garage Keepers Insurance: What's That?
Now, think about your customers’ vehicles. Garage keepers insurance is like their bodyguard. It kicks in when their car is in your hands—whether you’re repairing it or towing it.
What’s Covered?
Physical Damage: Fire, theft, vandalism, or collisions when you’re responsible.
What’s Not Covered?
Regular wear and tear, damage that occurs during the course of regular operations, like mechanical repairs or maintenance.
Business Property Insurance
This one’s for your stuff—building, tools, equipment, inventory. If something happens, it’s got your back.
What’s Covered?
Building Coverage: Fixes or replaces your place if it’s damaged.
Contents Coverage: Protects your business equipment, tools, inventory, and other assets.
What’s Not Covered?
Anything outside your business and damage to customers’ cars. It’s strictly for what you own.
Navigating Garage Insurance Costs
Alright, let’s talk straight about what can make your garage insurance cost more (or less).
What Impacts Your Garage Insurance Bill?
1. Type of Business: Are you fixing cars, selling them, or towing them away?
2. Coverage Limits: The more coverage you want, the more you’ll shell out. Simple as that.
3. Location: The location of your business, especially if it’s in a high-crime area, can influence your rates.
4. Claims History: Ever had to deal with insurance claims before? That could make your bill a bit heavier.
5. Safety First: Install security systems, follow safety
protocols – do your part, and you might qualify for some discounts.
How to Shop for Garage Insurance in Ontario
1. Know Your Needs: Figure out what risks your profession poses and what coverage suits you.
2. Shop Around: Get quotes from different insurers to find the best policy for your needs.
3. Read the Fine Print: Take a good look at policies, so you know what’s covered and what’s not.
4. Ask Questions: If anything’s unclear, ask your insurer for answers.
5. Regular Checks: As your professional needs evolve, review your coverage to ensure it’s still right for you.
So, there you have it – garage insurance in a nutshell. Figure out what you need, get the best deal, and keep an eye on it. Easy, right?
Our Happy Customers
CLIENT'S TESTIMONIAL
What Our Garage Insurance Clients Say
Had a great experience with BrokerUnion Insurance. They help us find a good coverage for our car insurance as well as make it budget friendly. Mr. Papillon was very helpful and made everything seamless for us. Specially with all the requirements and documents.
Great insurance company, I had a very complicated scenario and Susan helped me a lot, she spent a lot of time to get me the best insurance.
Very honest, and detailed explanation of different insurances.
I had a tight deadline and she helped me through the weekend to have it done, super prompt responses.
QUESTIONS & ANSWERS
Frequently Asked Questions
How can I save on garage insurance costs?
Implementing safety measures and security systems can lead to discounts on insurance premiums.
Is garage insurance mandatory for businesses in the automotive industry?
While requirements vary, having garage insurance is often recommended and may be mandatory in certain cases, depending on local regulations and industry standards.
What does garage keepers insurance cover?
it covers physical damage to customers’ vehicles caused by fire, theft, vandalism, or collisions while in your care.
Does garage insurance cover damage to my own property?
No, garage liability insurance focusses on third party liability, not damage to your own property. Business property insurance is a separate coverage for your business owned property.
How often should I review my garage insurance coverage?
It’s advisable to review your coverage periodically, especially as your operations change, to ensure it remains suitable for your business.