Mechanics Insurance
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- Protect Yourself Against Theft or Loss.
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- Cover Unexpected and Unpredictable Future Expenses.
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Protect Your Garage, Tools, and Reputation with Custom Garage Insurance
As a mechanic or auto service provider, your job involves more than fixing cars — it involves safeguarding your business, your equipment, your customers’ vehicles, and your peace of mind. Whether you operate a small family-owned garage or a large commercial repair shop, unexpected events like theft, property damage, or customer disputes can severely impact your business operations. At Leibel Insurance Group, we offer flexible, affordable mechanics insurance packages that are built specifically for the automotive industry in Canada.
What Is Mechanics Insurance?
Mechanics insurance, also known as garage insurance, is a comprehensive insurance package designed to protect mechanics, garage owners, and auto repair shops from a range of risks associated with their trade.
It doesn’t just protect your business property and tools, but it also covers third-party claims, customer vehicles in your care, and income loss due to operational shutdowns.
Why Do Mechanics and Auto Repair Shops Need Insurance?
Running an automotive repair business comes with a wide array of risks:
You’re responsible for every vehicle that comes into your care. If one gets damaged, stolen, or destroyed while in your custody, you could be liable for repairs or replacement.
Your tools are your livelihood. Theft, fire, vandalism, or mechanical failure could halt your operations and cost thousands to recover.
If a customer is injured on your premises or if a repair error leads to an accident, you could face expensive legal claims.
The use of flammable liquids and heavy machinery makes garages vulnerable to fires and hazardous spills — both of which could lead to financial and legal consequences.
If your shop has to shut down due to a fire or flood, how will you cover your expenses and lost income? Business interruption insurance ensures continuity even when you’re unable to open your doors.
Without the right insurance, a single incident could derail your entire operation. Mechanics insurance provides the financial safety net you need to keep your business running smoothly, no matter what happens.
Who Should Get Mechanics Insurance?
Mechanics insurance is essential for anyone working in automotive repair or maintenance. This includes:
- Auto Repair Shops
- Tire and Wheel Shops
- Brake and Muffler Specialists
- Auto Body and Collision Centres
- Transmission and Engine Repair Services
- Auto Glass Repair and Installation
- Mobile Mechanics and Roadside Assistance Services
- Performance and Custom Auto Shops
- Classic Car Restorers
If your business involves diagnosing, servicing, modifying, or storing customer vehicles — you need mechanics insurance.
What Does Garage Insurance Cover?
Our mechanics insurance packages are designed with flexibility in mind. Here’s what your policy can include:
Protects you from claims of bodily injury or property damage that occur on your premises. This is essential for customer interactions, test drives, and public access to your shop.
Covers damage or loss to customers’ vehicles while they are in your custody, care, or control. This includes theft, vandalism, fire, and accidental damage.
Covers your building, contents, tools, and machinery against risks such as fire, theft, explosion, and natural disasters. Whether you rent or own, this is a core coverage for all garage businesses.
Insures expensive hand tools, diagnostic equipment, lifts, compressors, and other essential gear. Includes both owned and leased tools.
Replaces lost income and helps cover ongoing expenses if you’re forced to shut down due to a covered peril like fire, flood, or power outage.
Essential for businesses that handle oil, coolant, gas, and other hazardous materials. Covers environmental cleanup costs and legal obligations if spills occur.
Protects business-owned vehicles like courtesy cars, service vans, or tow trucks used in your operations.
Why Choose Leibel Insurance Group?
For over 40 years, Leibel Insurance Group has been one of Canada’s leading commercial insurance brokers. When you choose us, you get more than just a policy — you get a partner who understands the risks of your trade and selects coverage that meets your exact needs.
- Industry-Specific Expertise: We specialize in serving automotive businesses, including garages, dealerships, and service shops.
- Dedicated Brokers: Our team works with you one-on-one to assess your risks and build a policy that fits.
- Competitive Quotes: We shop the market to find the best coverage at the best rate.
- Exceptional Claims Support: We’re here to advocate for you when you need us most.
Frequently Asked Questions
Garage liability insurance covers third-party bodily injury or property damage that happens on your business premises — such as a customer slipping on the shop floor. Garage keepers insurance, on the other hand, protects your customers’ vehicles while they’re in your care, custody, or control. Both are essential for full protection of your operations.
While there’s no single law requiring “mechanics insurance,” most provinces mandate certain types of coverage — such as liability insurance and workers’ compensation. Additionally, many commercial landlords or licensing authorities will require proof of specific coverages. Even when not legally required, having the proper insurance is a practical necessity to protect your assets, reputation, and livelihood.
Yes. Leibel Insurance Group offers mechanics insurance packages designed specifically for mobile mechanics. These can include coverage for tools and equipment stored in your service vehicle, liability for on-site work at customer locations, and commercial auto insurance if you’re using your vehicle for business purposes.
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