Auto Body Shops insurance · Nationwide
Coverage built for paint booths, frame racks & other people's collisions
A paint booth fire, a frame rack malfunction, a car that leaves your shop looking perfect but hiding a structural miss. Collision repair carries risk most policies don't anticipate. We connect you with specialists in body shop coverage.
Ready now
Start your quote
One short page. A licensed auto body shop specialist compares A-rated carriers and calls you back.
Still figuring it out
See what your work requires
Use our Compass to learn exactly what your specific use case might require.
Open the Compass →Where auto body shops get exposed
These are the scenarios our specialists see most often in your industry.
Hover a moment in the day to see the risk
Coverage auto body shops carry
A body shop holds more customer property, for longer, than almost any other small business. Cars waiting on parts, in paint, and in dispute with an insurer. Add a booth full of solvent and the property and liability sides carry equal weight.
General Liability
Injury to customers and visitors in the office, estimating bay, and lot.
People, not vehicles. Estimating brings customers into a working shop, which is why this sits alongside garage liability rather than being replaced by it.
Garage Liability & Garagekeepers
Customer vehicles damaged, stolen, or destroyed while in your care, plus liability for your shop operations.
Repairs run for weeks, so cars sit on your lot far longer than at a mechanical shop. Take direct primary cover so a customer is never sent to their own insurer.
Workers' Compensation
Medical bills and lost wages for isocyanate exposure, grinding injuries, and lifting strains.
Paint chemistry is what makes this rate differently from mechanical repair. Carriers will ask about booth ventilation and supplied-air respirators before quoting.
Commercial Property
Your building, spray booth, frame machine, and paint stock against fire, theft, and storms.
A booth and a frame rack are the two big numbers, and stored solvent is what the fire rating hangs on. Business income matters. A booth down stops the whole shop.
Commercial Auto
Loaners, parts runners, and shop trucks: liability, collision, and hired or non-owned autos.
Loaner fleets are larger here because repairs take longer. Every loaner needs to be scheduled; a customer in your car is your liability for the whole repair.
Commercial Umbrella
Extra limits above garage liability, general liability, and auto.
One fire reaching a lot of customer vehicles is a multi-car loss in a single event. That is the scenario an underlying limit is least likely to absorb.
FAQFrequently Asked Questions
Often, yes: insurers frequently set minimum garage liability limits for shops in their Direct Repair Program. We'll help you confirm your policy meets what your DRP partners require.
Commercial property coverage responds to fire damage to your booth, building, and equipment. Given the flammable materials involved, accurate valuation of your booth and equipment matters. We'll make sure it's not underinsured.
That's a completed-operations claim under general liability, covering structural or repair-quality disputes that surface after the vehicle has already been returned.
Garagekeepers coverage protects customer vehicles in your care, custody, or control, including while on a frame rack or mid-disassembly, which a standard liability policy typically excludes.