Auto Body
Garage liability and comprehensive coverage for automotive repair shops, body shops, and mechanic operations.
Request a QuoteUnderstanding Your Risk Profile
Auto body and mechanic shops face unique exposures including garage liability, customer vehicle damage, employee injuries, and environmental risks. Your business requires specialized coverage protecting both your operations and the vehicles in your care.
Key Risk Exposures
Common risks and challenges facing businesses in this industry
Customer Vehicle Damage
Damage to customer vehicles while in your care, custody, or control during repairs.
Faulty Workmanship
Claims arising from improper repairs, defective parts, or workmanship errors.
Employee Injuries
Mechanics face risks from heavy equipment, chemicals, and physical labor.
Environmental Liability
Oil spills, chemical disposal, and hazardous waste create environmental exposure.
Fire and Explosion
Flammable materials, welding, and paint operations create fire risks.
Theft and Vandalism
Theft of customer vehicles, parts, or tools from your facility.
Recommended Coverage Solutions
Essential insurance coverages tailored for your industry
General Liability
Garage liability coverage for customer injuries, property damage, and completed operations.
Learn MoreCommercial Property
Protects your shop, equipment, tools, parts inventory, and business property.
Learn MoreWorkers Compensation
Required coverage protecting mechanics and shop employees from workplace injuries.
Learn MoreCommercial Auto
Covers shop vehicles, tow trucks, and customer vehicles during test drives.
Learn MoreProfessional Liability
Protects against errors in diagnostics, estimates, or professional automotive services.
Learn MoreSurety & Fidelity Bonds
Dealer bonds and fidelity coverage required for automotive repair operations.
Learn MoreCommon Claims & Exposures
Understanding what can go wrong helps you prepare better
Customer Vehicle Damage
Very CommonDamage to customer cars while in the shop from accidents, theft, or employee negligence.
Faulty Repair Claims
CommonCustomers alleging improper repairs, defective parts, or workmanship failures.
Employee Injuries
Very CommonMechanics injured by lifts, tools, chemicals, or physical strain during repairs.
Shop Fires
OccasionalFires from welding, paint booths, or flammable materials in the shop.
Tool and Equipment Theft
CommonStolen tools, diagnostic equipment, or parts from the shop facility.
Test Drive Accidents
OccasionalAccidents occurring while employees test drive customer vehicles.
Frequently Asked Questions
Common questions about insurance for auto body businesses
Related Articles & Insights
Learn more about protecting your business
General Liability vs Professional Liability
Clear up the confusion between these two essential coverage types.
5 Common Workers Compensation Mistakes
Avoid these costly errors when managing your workers compensation policy.
How to File a Commercial Property Claim
Navigate the claims process smoothly with this detailed walkthrough.
Ready to Protect Your Business?
Let's discuss your specific coverage needs and build a customized insurance program for your business.