Commercial Auto – Who needs a Garage Policy?

This targeted course equips brokers with the knowledge needed to understand and apply the Garage Automobile Policy (Form #4) in Canada. Many businesses that handle, repair, service, or store customers’ vehicles face unique risks not covered by standard auto or CGL policies. Through this training, participants will learn why the Garage Policy exists, which operations require it, and how to identify the exposures that drive the need for specialized coverage.

Brokers will explore the exclusions found in standard policies like the OAP 1 and CGL, and understand how the Garage Policy bridges these gaps—providing vital protection for liability arising from owned, non-owned, and customer vehicles in the care, custody, and control of a business. A detailed look at coverage components, excluded uses and vehicles, coinsurance, statutory conditions, and key definitions will prepare brokers to offer well-informed guidance to their clients.

This course also includes real-world case studies to test your understanding and help apply knowledge to practical scenarios where proper coverage is essential.

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