Auto Body Shop Insurance

Is Your Auto Body Shop In Shape?

As a small business owner, you can’t be unrealistic and assume your employees won’t make mistakes. It is also dangerous to assume that accidents happen to other people. In the case of an auto body shop, these mistakes could cost your business thousands of dollars, impacting your company’s future. Even so, a lot of employers like you are unsure of how to navigate the world of small business insurance.

Get More For Your Money

However, general liability insurance does not cover all expenses at an auto repair shop. As auto body shop owners know, most repair jobs are done in the garage. For accidents that happen in a garage or storage area, it is wise for an auto company to have garagekeeper’s insurance. Garagekeeper’s insurance covers the legal costs of any damage accrued to the customer’s vehicle while in storage at your facility. Keep in mind, it is beneficial to have both general liability and garagekeeper’s insurance to fully cover your auto body shop. For those worried about potential costs, have no fear – these two small business liability insurances can often be bundled at a discounted rate at most insurance companies.

Custom Build Your Auto Body Shop Insurance 

Another basic small business insurance to have is worker’s compensation. You as the owner are very much at risk for being sued by an injured employee if you don’t offer worker’s comp. No employee wants to have to take off work for a work-related injury and not be compensated for it. Getting the right business insurance at the right price may be intimidating.  You certainly don’t want to pay for services that you don’t need, neither do you want liability coverage that proves to be inadequate. No one wants to find out that although they are up to date with their premiums, they are under-insured. Our services do not end when you purchase your insurance coverage. As your construction business expands, it is wise to increase your insurance coverage as well. Find out how we can help to protect your business now and in the future.

Is your auto body shop prepared?

If the accident occurred in the garage area of the shop, only garagekeeper’s insurance would cover your business in this circumstance. This is why you must think about what your company specifically does when buying insurance. Having the right insurance coverage for your automotive body shop business could keep your business from having to close down!

What if …

A customer drops off his car to get a new bumper installed. Your complete the job without any problems. But, as you pull out of the garage, you crash into another customer’s car. Both cars are damaged. You can’t believe it. Both customers are irate and file a claim against your auto body shop. Do you have the right insurance?“