Your lot is full of other people's money.
Customer cars in your bays. Inventory on your lot. Strangers test-driving $60,000 machines. A garage or dealership concentrates more liability per square foot than almost any business — your insurance should be built for exactly that.
One lot, a dozen different exposures.
A dealership isn't one risk — it's five sharing a parking lot. The customer's car you're servicing. The inventory you own. The test drive down the 401. The detail bay. The office upstairs. Each one needs its own answer, under one coordinated program.
I work with markets that actually understand garage risks, so you're not explaining what 'garage keepers' means to someone who's never written one. Your program gets structured around peak inventory, seasonal swings, and the way your operation really runs.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a garage and dealership program typically includes:
Garage liability
The core — liability arising from your garage operations, sized to your revenue and exposure.
Dealers' open lot / physical damage
Your inventory covered against fire, theft, hail, and vandalism — with limits that flex as stock turns.
Garage keepers legal liability
Customers' vehicles in your care, custody, and control — because their car is your responsibility the moment the keys hit your counter.
Test drive & demonstration
Liability when prospects and staff are behind the wheel of your units.
Products & completed operations
The repair you finished last month is still your exposure today.
Crime & employee dishonesty
Because the keys to everything sit in one lockbox.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Garage insurance for Ontario's auto row
From independent used-car lots in Brampton to service centres across Mississauga and the GTA, I insure the businesses that keep Ontario driving. If your operation touches customer vehicles or carries inventory, let's build the program properly — before a claim tests it.
Questions, answered
What's garage keepers coverage?
It covers damage to customers' vehicles while they're in your care — in your bays, on your lot, or on a road test. Without it, a fire or theft at your shop could leave you paying out of pocket for cars you don't own.
My inventory changes constantly. How do limits work?
Dealers' lot coverage can be written on a reporting or peak-season basis so your limits track your actual stock instead of a number you guessed in January.
Do you insure independent repair shops, not just dealers?
Absolutely — repair shops, body shops, tire shops, and detailers. If you work on cars that belong to other people, you need this program.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.