Auto body shop insurance: garagekeepers legal liability for customer vehicles, shop tools coverage, GL, and workers comp for body and paint operations.
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…
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.…
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…