End of the agricultural season
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NAPA garages
Insurance for NAPA network members in Quebec
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An insurance program designed for NAPA network members
The NAPA network brings together three banners in Quebec: NAPA Auto Care, NAPA Autopro, and NAPA Pièces d’auto. Members of these banners have access to an insurance program negotiated by La Turquoise in collaboration with Aviva. This program is specially adapted to the reality of member garages.
Eligible members have access to coverage including:
- your business property (building, equipment, merchandise, and contents),
- your customers’ vehicles on your premises,
- your general liability as a garage owner,
- your loss of income in the event of a business interruption,
- your cyber risks.
Your membership in the NAPA network is the entry point to this offer. A broker reviews your file and directs you toward the coverage that matches the size and activities of your business.
This program also includes group personal insurance, available to you and your employees.
Are you a member of the NAPA network? Exclusive discounts on your personal auto and home insurance are available to you as well.
A La Turquoise broker confirms your eligibility before underwriting.
A program distributed in partnership with the NAPA network
La Turquoise works with the NAPA network to support members in their insurance journey. It considers the specific reality of garages and businesses operating under the NAPA banners in Quebec.
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This coverage applies to bodily injury and property damage caused in the course of your activities.
Why choose the NAPA program for your insurance
Discover the benefits for NAPA members- Your reality as a garage owner in the NAPA network is taken into account from the very first discussions with a broker.
- The program combines coverage for your own vehicles and your customers’ vehicles under a single contract, simplifying the management of your insurance.
- Any new vehicle purchased or replaced during the year is automatically covered with no adjustment before the end of the term.
- Several coverages are automatically included in the program, with no extra steps required on your part.
- Members with employees have access to a group personal insurance program through this partnership.
- A broker specialized in the automotive sector understands the specifics of your business and supports you in the event of a claim.
Coverage included in the NAPA insurance program
See what the coverage includes- Your business property: your building, equipment, merchandise, and office contents are covered in the event of a loss. The coverage applies on a replacement cost basis, with no obligation to rebuild in the same location.
- Your customers’ vehicles: damage to vehicles entrusted to you by your customers is covered. This coverage applies on your premises, during a test drive, or while a vehicle is being moved by an employee. Your own vehicles and your customers’ vehicles are covered under a single contract.
- Your liability to customers and third parties: an injury in your parking lot, a collision during a test drive, damage caused by an employee. These situations can lead to a claim. This coverage covers bodily injury and property damage caused in the course of your activities.
- Your loss of income: if a loss forces the temporary closure of your garage, this coverage compensates for financial losses during the shutdown period. It is based on the actual loss incurred.
- Errors and faulty workmanship: a disputed repair or the cost of redoing work can create liability. This coverage covers claims related to an error or omission in the course of your work.
- Your cyber risks: running your business involves handling sensitive data. This coverage covers certain consequences linked to a breach of your systems’ or digital information’s security.
- Accidental spills: used oil, flammable liquids, contaminating products. An accident can lead to significant cleanup costs. This coverage covers costs related to decontaminating soil or water on or near your premises.
- Customers’ tires in storage: if your business offers a tire storage service, tires entrusted by your customers are covered in the event of a loss.
Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
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Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyses driving habits and adjusts the premium accordingly.
Recommended coverages
The plan covers professional liability and general liability. Extra coverage may be available to supplement the policy depending on the situation.
Liability for faulty workmanship
A poorly executed repair can cause damage after the vehicle has left your shop. This coverage covers claims related to workmanship errors or defects in completed work.
- A customer loses a wheel after a repair performed in your shop
- Poorly applied paint deteriorates after the vehicle is delivered
- An undetected mechanical problem causes an accident after the service
Crime and theft
Garages are exposed to theft of vehicles, parts, and equipment. This coverage protects against losses resulting from burglary, key theft, or the disappearance of vehicles entrusted to you or held in storage.
- Spare parts are stolen from your shop overnight
- A vehicle held in storage disappears from your outdoor lot
- A break-in results in significant equipment losses
Property in transit and tool fleet
Your tools and equipment regularly move between your work sites and your off-site service calls. This coverage protects against loss or damage occurring during transport or during operations carried out away from your business.
- Tools are stolen from your work vehicle during an off-site service call
- Equipment is damaged during transport to another location
- Materials are lost during a towing operation away from your premises
Your questions about garage and auto repair shop insurance in Quebec
Certain questions come up often about garage insurance in Quebec. Here are answers to the most frequent questions to help you better understand your coverage and make informed choices.
The garage owners’ form, also known as FPQ No. 4, offers insurance designed for businesses that take in customers’ cars or trucks.
It covers damage caused to these vehicles while they are in your care. This coverage applies on your premises, while being moved by an employee, or during a test drive.
Without FPQ No. 4, standard commercial insurance does not cover damage to a vehicle entrusted to you. It is the basic coverage for any garage, body shop, or towing service.
A La Turquoise broker reviews your activities and tells you which sections you need for your situation.
Damage to your customers’ vehicles caused by a fire in your building is covered under FPQ No. 4. This coverage applies to vehicles entrusted to you that are on your premises at the time of the loss.
Your business property insurance covers damage to your building and its contents. The two coverages complement each other and apply to different assets.
It is important to make sure your FPQ No. 4 coverage reflects the number of vehicles typically present on your premises. A gap between reality and your policy’s terms can affect your compensation in the event of a loss.
It is not necessarily a separate policy, but your coverage must reflect all of your activities.
Body work introduces risks related to flammable liquids and the paint booth. Towing exposes your business to risks on the road and during vehicle transport. These realities influence the underwriting conditions.
Coverage that does not mention all of your activities may include significant exclusions. If your garage combines several specialties, your broker makes sure each area is covered with no blind spots.
An insurer represents only its own products. A broker compares several insurance companies and products to find the coverage best suited to your type of business.
In the garage sector, needs vary widely from one business to another. A general mechanical shop, a towing service, and a used vehicle dealership face different risks. They also have different coverage requirements.
A specialized broker understands the specifics of the sector. They identify blind spots in your coverage, help you avoid being underinsured, and support you in the event of a claim. At La Turquoise, our commercial insurance brokers review your situation and offer a solution suited to your reality.
To get a quote, contact a broker by phone or email. Have basic information about your business ready: your type of activity, your annual revenue, and your years of experience.
Also have on hand the number of vehicles present on your premises at the same time. You will also need to know the value of the most expensive vehicle you work on.
If you currently hold a policy, your current insurer’s name and your contract’s renewal date speed up the process. A broker reviews your file and presents you with options based on your activities and budget.
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