How to Get Auto Body Shop Business Insurance for Your Shop

Nate Jones, CPCU, ARM, CLCS, AU
6 days ago
2 min read

Running an auto body shop comes with serious risks—from customer vehicle damage to employee injuries and expensive equipment losses. Having the right auto body shop business insurance protects your shop, employees, and reputation while keeping you compliant with industry and state requirements.

This guide explains how to get the right insurance for your auto body shop quickly and why working with Wexford Insurance can simplify the process.

Why Auto Body Shops Need Specialized Insurance

Auto body repair shops face higher risks than many other small businesses, including:

Damage to customer vehicles while in your care
Fire or theft of tools and equipment
Employee injuries from machinery and chemicals
Lawsuits related to workmanship or accidents
Vehicle accidents involving shop-owned vehicles

Standard business insurance often isn’t enough—auto body shops need specialized coverage designed for garage and repair operations.

Key Insurance Policies for Auto Body Shops

Garage Liability Insurance: Covers bodily injury and property damage related to shop operations, including customer injuries.
Garagekeepers Insurance: Protects customer vehicles while they’re being repaired, stored, or parked at your shop.
Workers’ Compensation Insurance: Required in most states if you have employees. Covers medical expenses and lost wages for job-related injuries.
Commercial Property Insurance: Covers shop buildings, tools, lifts, paint booths, and equipment from fire, theft, or vandalism.
Commercial Auto Insurance: Required if your business uses vehicles for towing, test drives, or parts pickup.

Wexford Insurance — **REQUEST A FREE QUOTE**

Steps to Get Auto Body Shop Insurance Quickly

Gather Business Details
- Shop location and size
- Services offered (collision repair, paint, detailing)
- Number of employees
- Equipment value and vehicles used
Understand State Requirements: Insurance laws vary by state, especially for workers’ compensation and garage liability.
Request a Specialized Quote: Work with an insurer experienced in auto body shops to avoid coverage gaps.
Bundle Policies: Bundling garage liability, property, and auto coverage often reduces costs and simplifies management.