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Garage Insurance Application

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Ontario Application for Automobile Insurance
Garage Form (OAF 4)

Effective (2013-06-01) · FSCO (1214E.1) · O.A.F.4 · Page 1 of 2

Language Preferred
Policy No. Assigned
Item Application Building Lot
1.

Full name of the applicant

Full Business Address (also provide postal address if different)

Location of other premises where business is conducted (show each building and lot separately)
2.

Policy Period

All times are local times at the applicant’s postal address
3.

The automobiles in respect of which insurance is to be provided are those used in connection with the applicant’s business of (specify)

NOTE: This form should not be used for rental or leasing exposures
4.

Number of employees including proprietors and executive officers at the effective date of the policy

5. Insurance Agreements

Insuring Agreements Premium Company Use Only Advance Premium
Section 1 Third Party Liability
THIRD PARTY INCLUSIVE LIMIT $
Property Damage $
Section 2 Accident Benefits
STANDARD BENEFITS $
Optional Increased Accident Benefits - Income Replacement up to $ per week
Caregiver, Housekeeping & Home Maintenance $
Medical & Rehabilitation $100,000
Attendant Care $72,000
Medical, Rehabilitation and Attendant Care $1,100,000 / $1,072,000
Death and Funeral $
Dependant Care $
Indexation Benefit (Consumer Price Index) $
Section 3 Uninsured Automobile Coverage
Section 4 Direct Compensation Property Damage
Deductible applicable to each separate automobile $
Section 5 Loss of or Damage to Owned Automobiles
5.1.1 Collision or Upset

The premium under subsections 5.1.2, 5.1.3 and 5.1.4 shall be calculated on a:

Location as per Item 1 Subsections Insured Limit of Liability* Deductible Company Use Only

*The Limit of Liability for each automobile is the actual cash value at the time of loss not exceeding the actual cost to the insured and is subject to the stated limit and appropriate co-insurance conditions applicable to the monthly average basis or co-insurance basis rating.

**This policy contains a partial payment loss clause.

Section 6 Liability for damage to a customer’s automobile while in the care, custody or control of the applicant Limit applicable to any one customer’s automobile Deductible applicable to each separate occurrence Company Use Only
6.1 Collision or Upset

Location as per Item 1

Maximum Number of Customers’ Automobiles

6.4 Specified Perils (excluding open lot theft)
O.E.F. 81 – Garage Family Protection Endorsement

6. Has any insurer cancelled, declined or refused to renew any insurance related to the business of the applicant within the three years preceding this application? If so state name of insurer and policy number.

The advance premiums are subject to adjustable premium computation provision in the policy

7. State particulars of all accidents, losses or claims arising out of the ownership, use or operation of any automobile (i) by the applicant (ii) in connection with the business within six years preceding this application (List separately if necessary)

8. Provide details of applicant’s most recent auto insurance

9. Declaration of Applicant – Read this section carefully before you sign.

Warning: The Insurance Act provides that where (a) an Applicant for a contract ... the right of the Insured to recover indemnity is forfeited.

Warning – Offences

It is an offence under the Insurance Act to knowingly make a false or misleading statement ...

I am applying for automobile insurance based on the information provided above. With respect to this application or any renewal or change in coverage, I authorize you to collect, use and disclose information as permitted by law for the purposes necessary to assess the risk, investigate and settle claims, and detect and prevent fraud, such as credit information, driving record information and claims history.

Signature of Broker/Agent

Signature of Applicant

Date

Ontario Application for Automobile Insurance
Garage Form (OAF 4)

Insurance Coverages Applied for

Ontario motorists must have the following standard coverages: Third Party Liability, Accident Benefits, Uninsured Automobile Coverage and Direct Compensation – Property Damage.

Additional insurance may be purchased for Loss or Damage to Owned Automobiles, Loss or Damage to Customers’ Automobiles and Optional Increased Accident Benefits.

Third Party Liability

Provides coverage for the named Insured or other insured persons if someone else is killed or injured or their property is damaged in an automobile incident.

Accident Benefits

Provides benefits that insured persons may be entitled to receive if injured or killed in an automobile accident.

Uninsured Automobile Coverage

Provides coverage if you or other insured persons are injured or killed by an uninsured motorist or by a hit-and-run driver.

Direct Compensation – Property Damage

Provides coverage in Ontario, under certain conditions, for damage to an automobile owned by the Insured and to property it is carrying, when another motorist is responsible.

Loss of or Damage to Owned Automobiles

Provides a selection of optional coverages for specified automobiles owned by the Insured.

Liability for Damage to a Customer’s Automobile

Provides a selection of optional coverages for the Insured’s legal liability for damage to customers’ automobiles while in the Insured's care, custody or control.

Warning: The Insurance Act provides that where an applicant gives false particulars or knowingly misrepresents facts, the claim may be invalid and indemnity forfeited.

Warning – Offences

It is an offence under the Insurance Act to knowingly make a false or misleading statement or representation to an Insurer in connection with entitlement to a benefit under a contract of insurance.

Effective (2013-06-01) · FSCO (1214E.1) · © Queen’s Printer for Ontario, 2013

O.A.F.4 · Page 2 of 2

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What the Garage Insurance Application Is

The Garage Insurance Application is a standardized form used by motor vehicle service businesses to request coverage for garage operations, garagekeepers, and automobile dealers. It collects applicant identity, business location, vehicle inventory, types of services performed, payroll and revenue figures, prior loss history, and requested policy limits with endorsements. Carriers use the completed application to underwrite exposures, set premiums, and determine required endorsements such as hired and non-owned auto or garagekeepers legal liability. The form can be submitted electronically or on paper and often accompanies loss runs and certificates of insurance.

Why a Correct Application Matters

A complete, accurate Garage Insurance Application speeds underwriting, reduces insurer follow-up, and helps ensure appropriate coverage. It documents material facts the insurer uses to price risk and to decide on endorsements, limits, or exclusions.

Why a Correct Application Matters

Who Typically Completes This Application

Owners, managers, brokers, and agents prepare the Garage Insurance Application when applying for or renewing garage-related insurance.

  • Garage owners and operators who repair, service, or store customer vehicles.
  • Auto dealers with repair bays and service departments submitting fleet or dealer coverage.
  • Insurance agents and brokers submitting multiple carrier requests for quotes and comparative underwriting.

Proper completion benefits underwriters, auditors, and claims teams by clearly documenting operations, exposures, and requested coverages.

Who Signs and Why Their Role Matters

Garage Owner

Typically the registered owner or sole proprietor who can certify business operations, payroll, and prior claims. This signer may need to provide government ID if requested and can authorize coverage changes and binders; insurers rely on this attestation for underwriting accuracy.

Authorized Signer

An executive, partner, or designated employee authorized to sign insurance applications and policy documents. Carriers may require documentation of authority, such as corporate minutes or a signed authorization letter, before accepting changes.

Essential Fields You Must Provide

Business Legal Name: Full registered legal entity name
FEIN or SSN: Federal EIN or SSN for tax identification
Business Address: Street address, city, state, ZIP
Operations Description: Summary of services and equipment used
Vehicle Schedule: List of owned or stored vehicles with values
Prior Claims History: Loss runs for past 3–5 years

Common Preparation Errors to Avoid

  • Misstating payroll or gross receipts can lead to premium audit adjustments and potential denial of coverage for underreported exposures.
  • Failing to list all service types (towing, storage, mechanical repairs) can create gaps where claims fall outside issued policy endorsements.
  • Submitting unsigned or partially signed applications delays binding and may incentivize carriers to request additional documentation.
  • Attaching incomplete loss runs or redacting key claim details slows underwriting and may require later corrections or affidavit statements.

Consequences of Inaccurate or Omitted Information

Premium Audit: Premiums adjusted post-bind
Coverage Denial: Claim may be denied
Policy Rescission: Policy voided for material misstatement
Higher Premiums: Renewal rates increase
Regulatory Risk: State penalties possible
Reputational Harm: Broker-client friction

What a Professional Garage Insurance Application Includes

A complete application should be organized, signed, and supported by exhibits so underwriters can quickly assess risk and price coverage accurately.

Applicant Details

Legal entity, DBA names, contact person, phone and email, and tax ID. Accurate legal names and ownership structure reduce verification delays and mistaken exposures.

Operations Summary

Clear description of repairs, diagnostics, painting, towing, storage, and any specialty services. Specify on-site hazards and safety controls that affect underwriting decisions.

Vehicle Schedule

List of owned, customer, and dealer vehicles including VINs, values, and garaging locations. Precise values affect garagekeepers and physical damage exposures.

Claims & Loss Runs

Three to five years of loss history showing paid and reserved claims. Complete loss runs let underwriters identify frequency, severity, and trends affecting insurability.

Coverage Requests

Requested limits, deductibles, and specific endorsements such as hired/non-owned auto, garagekeepers legal liability, and pollution liability if applicable.

Attachments

Lease agreements, certificates of insurance, safety programs, CDL lists, and driver records. Attachments substantiate operations and can qualify the applicant for favorable terms.

Step-by-Step: Completing the Application

Follow these sequential steps to complete the Garage Insurance Application accurately and efficiently.

  • 01
    Gather Records: Collect payroll, revenue, and loss runs.
  • 02
    Describe Operations: Provide detailed service descriptions and locations.
  • 03
    Complete Schedules: List vehicles, values, and drivers.
  • 04
    Sign and Attach: Sign, date, and add required exhibits.

How to Customize an Online Application Workflow

Configure digital workflows so the application routes to the right reviewers and collects required fields before submission.

Field Configuration
Required Fields Make applicant name, FEIN, and signature mandatory
Conditional Logic Show towing questions only if towing indicated
Authentication Use email or SMS code for signer verification
Attachments Require loss runs and safety program upload

Where and How to Submit the Completed Application

Choose the submission channel that matches the carrier or broker preferences to avoid processing delays.

  • Carrier Portal: Upload application directly to insurer systems
  • Agent/Broker Email: Send signed PDF and attachments to your broker
  • Agency Management System: Store and route internally for binding
  • eSignature Link: Use a secure signing link for remote signatures

Digital Signing and File Format Considerations

Use platforms that preserve audit trails, accept PDF and DOCX, and integrate with agency management systems or carrier portals.

  • File Formats: PDF and DOCX preferred for archiving
  • Integrations: Salesforce, NetSuite, Google Workspace supported
  • Authentication: Email, SMS, or advanced signer verification

Ensure the chosen solution can produce a tamper-evident signed PDF with an audit trail and supports bulk send or API connections when handling high volumes.

Timelines and Typical Processing Expectations

Processing times vary by carrier and completeness; prepare to meet typical internal and external deadlines when submitting an application.

Initial Quote Turnaround:

3–10 business days after full application submission

Binder Issuance:

Same day to 48 hours once underwriting approves

Policy Effective Date:

Specified by insurer on binder or policy declaration

Premium Audit:

Occurs at term-end; reconcile payroll and receipts

Renewal Notice:

Carriers typically send 30–60 days before expiration

Frequently Asked Questions About the Garage Insurance Application

Answers to common questions about signing, submission, corrections, and legal validity for Garage Insurance Applications.


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eSignature Vendor Pricing and Feature Snapshot

Basic pricing and feature availability for common eSignature vendors to consider when submitting or signing the Garage Insurance Application electronically.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial, no credit card required Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

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