Garage Insurance in Alberta.

Only with the right coverage. A standard general-liability policy leaves out property in your care, which is exactly what a customer’s unit is while you work on it. Garagekeepers coverage fills that gap, paying when the equipment in for service is damaged. For heavy equipment worth six figures, nothing on your policy matters more.

Not automatically. Liability for a customer unit damaged while being hoisted or lifted, crushed or dropped on a hoist, vehicle lift or crane, is specific coverage that has to be added, and work on cranes and draglines is often excluded. We review the lifting you do and make sure the wording responds to it rather than leaving a gap.

Garage liability covers injury or damage you cause someone else while doing the work, on your premises or theirs. Garagekeepers covers the customer’s vehicle or equipment itself while it is in your care for service. A complete mechanic’s program usually needs both, because they respond to different claims.

Yes, a great deal. AMVIC licensing applies to automotive work on licensed motor vehicles like highway trucks and buses, while unlicensed, off-road equipment such as mine trucks, dozers and construction equipment does not carry the same requirement. Buses and units needing a CVIP inspection call for extra care too. The types of units you work on drive both the rules you follow and the coverage you need, so we build the policy around what you service.

Yes, through contractors equipment coverage. It follows your scan tools, hydraulic and torque gear, welders and diagnostics on the job site, in transit and in storage, where a standard business property policy usually stops at the shop door. It is separate from your auto policy, so your rig-up is protected whether a loss happens on the road or off it.

Your liability coverage can respond when a unit you serviced fails after you have left and causes further damage. Like any trade, the policy is not a warranty on your own work, but it can pay for the resulting damage. The wording is worth reviewing for the kind of repairs you do.

General contractors and operators want proof your coverage is active and that it extends to protect them for claims arising from your work, along with minimum limits. It is routine, and we issue the paperwork quickly so it never holds up a job.

There is no flat rate. Your premium depends on the work you do, your revenue, your Alberta location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most heavy duty mechanics go from first conversation to bound coverage within a few business days.

Yes. Velocity is an Alberta brokerage and we write commercial coverage anywhere in the province, including small towns, rural operations, and remote work sites. We work primarily by phone, email, and video, so where you are based does not change the service you get.

Most start with commercial property for the building, stock, and equipment, and commercial general liability for third-party injury and property damage. Vehicles add commercial auto, contractors add tools and equipment coverage, property owners add loss of rental income, and service and professional businesses add professional liability. We build the mix around your operation.

Hail is generally covered under a commercial property policy, and hail damage to vehicles falls under comprehensive auto coverage. What matters is whether your building is insured to replacement cost and what your deductible looks like, because in Alberta hail is a when, not an if. We confirm both before you need to claim.