Auto/Body Shop Insurance
Running an auto body shop means handling other people’s vehicles daily, which brings exposure to risks like fire, theft, tool damage and customer liability claims. Auto/body shop insurance may help cover vehicles left in your care, your tools and equipment, and liability for injuries or property damage tied to your operations. Because body shops handle everything from collision repair to paint work, coverage is typically tailored to the specific services your shop performs.
Frequently Asked Questions
What Does Auto/Body Shop Insurance Typically Cover?
Body shop policies often combine several coverages into one package. Common coverages include:
- Garagekeepers coverage for customer vehicles left in your care
- Tools and equipment coverage for repair and diagnostic equipment
- General liability for customer injuries on your premises
- Garage liability for accidents during test drives or vehicle transport
- Property coverage for your building against fire, theft or vandalism
Is Auto/Body Shop Insurance Required in California?
California requires workers’ compensation insurance for any body shop with employees. Landlords, lenders and manufacturer certifications often require general liability and garagekeepers coverage as well.
How Much Does Auto/Body Shop Insurance Cost?
Premiums vary based on factors like shop size, equipment value, services offered and claims history. Ontario, CA body shop owners can get an accurate quote by speaking directly with a licensed agent about their specific operation.