Auto Body Shop Insurance
Auto body shop insurance combines coverages that a standard BOP cannot properly address. The most critical is garagekeepers legal liability — protecting you when a customer's vehicle is damaged while in your care for repair. A customer's vehicle sitting in your lot during a weekend paint job represe…
Key Coverages for Auto Body Shop Businesses
- Garagekeepers legal liability — customer vehicles in your care, custody, and control
- Commercial general liability for slip-and-fall and operations liability
- Tools, equipment, and frame straightening machinery
- Spray booth and paint mixing equipment coverage
- Products and completed operations for repair work
- Workers' compensation for technicians and service writers
Frequently Asked Questions
What is garagekeepers legal liability?
Garagekeepers covers damage to or theft of customer vehicles while in your shop for service. If a fire destroys customer cars or a theft occurs overnight, your standard commercial property policy won't cover those vehicles — they belong to customers.…
Is workers' comp required for auto body shops in California?
Yes. California law requires workers' compensation for all employees including part-time and family members. Auto body work involves significant chemical exposure, heavy lifting, and power tool risk — workers' comp is both legally required and practi…