HAPP – Huronia Automotive Protection Plan

HAPP Garage Insurance Plan

Insurance coverage designed specifically for Mechanics, Detailers, and Car Dealerships.

The Huronia Automotive Protection Plan (HAPP) offers deeply discounted garage insurance coverage designed for repair garages, auto dealers, and auto detailers throughout Ontario.

Eligible Occupancy

These garage insurance protection plans are for automotive businesses that maintain or repair private passenger cars or trucks, or small commercial vehicles.

All qualifying auto repair businesses must have annual revenues of less than $5,000,000 and be owned and operated for a minimum of 3 years. Or, the owner must have 3 years related business experience in management or business ownership.

Examples of automotive businesses that qualify for this garage insurance include:

  • Auto Detailers
  • Auto Glass Repair and Installation Shops
  • Auto Rust Proofing
  • Car Washes – automatic or self-serve
  • Gas Stations – self-serve only, or full serve and self-serve (no auto repairs)
  • Gas Stations – with mechanical repairs
  • Muffler Repair Shops
  • Oil Change and Lubrication Shops
  • Radiator Repair
  • Transmission Repair
  • Auto Repair Garages – mechanical repairs only*
  • Auto Repair Garages – mechanical repairs and gas sales*
  • Car Stereo and Alarm Installers – sales and installation*

*Note: To qualify for garage insurance, these occupancies require mandatory theft protection.

Additional Automotive Insurance Coverage Options

  • Contact details:
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Featured Garage Insurance Protection Coverages:

On premises or off premises garage insurance coverages may vary on any of the following.

  • Limited Pollution & Pollution Cleanup and Removal Insurance
  • Tools of the Insured & Employee’s Tools
  • Hoist Collision Coverage
  • Gas Pumps & Gas in Underground Tanks
  • Contingent Business Interruption & Peak Season Endorsement Insurance
  • Equipment Breakdown Insurance Coverage
  • Loss of Business Income
  • Advertising Liability Insurance

Please contact your Huronia Insurance broker at 1-866-955-8386 for specific details and requirements for automotive business and garage insurance coverage on the above items.

Property Insurance

  • Contents at unnamed locations
  • Transit
  • Exterior signs
  • Leasehold interest – rents
  • Professional fees
  • Condominium loss assessment
  • Condominium contingent
  • Data coverage – named perils
  • Accounts receivable
  • Valuable papers
  • Extra expenses
  • Insured’s tools
  • Employee’s tools
  • Gas in underground tanks – named perils

Crime Insurance

  • Employee dishonesty
  • Inside loss
  • Outside loss
  • Kidnapping
  • Theft from custodian’s home
  • Medical expense from robbery
  • Money orders & counterfeit currency
  • Depositors forgery
  • Computer fraud
  • Incoming cheque forgery

Liability Insurance

  • Commercial general liability
  • Medical expense
  • Personal and advertising injury
  • General aggregate
  • Tenant’s legal liability broad form
  • Condominium special assessment
  • Employee benefits liability
  • Garage liability extension
  • Hoist collision
  • Limited pollution

Contact Huronia Insurance

Contact our Huronia Ontario insurance team to find out more about garage insurance through HAPP, our unique Huronia Automotive Protection Plan. You can also reach us by email or call toll free at 1-866-955-8386.

Check out this INTACT Insurance PDF file for helpful Loss Prevention Tips for Auto Repair Garages.  Learn how to recognize the hazards that auto repair garages face plus how to put safeguards in place to avoid costly losses and protect your business.

Your best insurance is an insurance broker! We look forward to serving your garage insurance needs.