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Auto Body Shop Insurance

Auto Body Shop Insurance

Everyone who owns a car or a motorcycle needs to get it repaired at least once when it’s in their possession. This is the nature of car ownership, and it’s how people who run repair shops and auto body companies make their living. However, when customers trust your body shop with some of their biggest investments, they expect you to do the best job every time. When accidents happen, having a trusted insurance company and general liability policy can mean the difference between keeping you auto body shop in success and having an auto body shop slip into a poor reputation.

Small Business Liability offers business insurance that covers all aspects of your repair shop, including customers, products, and employees. Don’t forego insurance coverage due to the price or the complications that supposedly come with it. Working with our insurance agents will guarantee you the coverage you need to maintain your professional prestige for years to come.

About Body Shop Insurance Coverage

There are many types of insurance which are applicable to body shops. One of the most important insurance coverage types for establishments like these is general liability insurance. This covers any incidents of damage done to third parties or customers. These accident incidents can be of a physical, reputational, or emotional nature. Their property, should it be involved in an accident, can also be referred to in claims court. Let’s assume that a customer’s vehicle is destroyed while it is under the care of your auto repair shop. Chances are that you and your shop will be held liable for the damages. With the right insurance agency and proper coverage, the costs that arise from the damages done to the customer’s car are easily remedied.

General liability is perfect for simultaneously protecting customers and maintaining a professional image. But business owners have more than just their clients to think about when it comes to insurance coverage. For instance, general liability insurance does resolve the need for workers’ compensation. Even so, that type of insurance can easily get bundled into an umbrella insurance policy that covers both general liability and employee benefits like workers’ compensation, life insurance, and other business-related assets.

Why Get General Liability Insurance for My Auto Body Repair Shop?

There are many reasons why getting insurance coverage is the best option for small businesses. Initial benefits include bolstering your professional image, obtaining greater peace of mind during day-to-day operations, and preventing business interruptions. State and local laws often require some form of insurance program or business owner’s policy prior to starting your business. failure to have coverage can result in hefty fines and temporary loss of work, which proves that the benefits outweigh the costs.

The worst risk a business owner takes when refusing to acquiring liability insurance, however, is the potential loss of the business itself. Liability claims cost thousands to millions of dollars up front, but even if somehow you had the resources to pay for such a claim out of pocket, it  doesn’t look professional in the eyes of many conscientious consumers. Customers want to know that their best interests are always credited as the highest motivating factor in a collision repair shop’s everyday activities. One of the best ways to prove this is to have body shop insurance on hand when you need it.

Small Business Liability supplies specialty insurance to any type of business that seeks coverage, including auto body shops. There’s nothing good that can come from a moment in which you’re left without insurance in the event of an accident. So take the first step in avoiding such a fate and work with one of our business property insurance or general liability insurance agents today to get free insurance quotes on the services you need to get vehicles back out on the road.