Insurance for Auto Body Shops
Discuss insurance for collision repair, refinishing equipment and vehicles staying at your body shop.
Online quotes depend on eligibility and underwriting.
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Describe collision and refinishing operations
Body work, frame work and painting involve different activities and equipment from routine mechanical servicing. Explain the operations actually performed, including spray facilities and any work sent elsewhere. Do not assume a general repair-shop description is sufficiently precise.
Consider the vehicles and equipment you hold
A customer vehicle may remain at the shop while repairs or parts are pending. Ask how garagekeepers terms address that custody, and separately review the property used in refinishing and repair. Environmental or pollution-related exposures deserve specific questions rather than a promise of protection under ordinary liability.
Coverage to consider
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Commercial auto: Business driving should reflect vehicle ownership, drivers and use. Do not assume a personal policy or premises policy addresses every business trip.
Related business guidance
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Should paint and frame work be listed in my quote request?
Yes. Give an accurate description of those operations and the equipment involved.
What if a customer vehicle stays at the shop for several weeks?
Discuss the storage arrangement and values when reviewing garagekeepers options.
Does general liability automatically address pollution claims?
No. Ask about relevant exclusions and specialist coverage rather than assuming it does.