Risk Management Considerations for Garage Policies

Liability resulting from the use or operation of an automobile is provided under an Owners Automobile Policy. However, section 1 of the Ontario Automobile Policy (OAP1), subsection 1.8.4., reads as follows: 'Garage Workers Not Covered – No person who sells, repairs, maintains, stores, services, or parks automobiles as part of a business is covered by this policy while involved in conducting that business, unless the person in fact owns the automobile involved in an incident.