Auto Body Shop Insurance

Auto Body Shop
Auto body shop employee working on a customer's car.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

Why do auto body shops need insurance?

A hazardous workplace and expensive customer property means high risks for auto body shops and collision centers. Business insurance provides financial protection against costly accidents, lawsuits, fires, and storms.

Mechanic working underneath a car at an auto body shop.
Cursor pointing on laptop screen

One application, multiple quotes

Insureon helps body shop owners compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of insurance do auto body and collision repair shops need?

These insurance policies cover the most common risks of auto body repair.

General liability insurance icon

General liability insurance

General liability covers basic risks at an auto body and collision repair shop, such as a customer who slips and suffers an injury. Add garage liability insurance to gain protection for customers' vehicles.

BEST FOR
  • Third-party bodily injuries
  • Accidental damage to a customer’s car
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, is a cost-effective way for auto body repair shops to buy general liability coverage and commercial property insurance together.

BEST FOR
  • Customer injuries
  • Business property insurance
  • Business interruption incidents
Commercial auto insurance icon

Commercial auto insurance

Commercial auto coverage pays for injuries and property damage caused by an auto body shop’s pickup or other vehicle. It’s required in most states for business-owned vehicles.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused by a car accident
  • Vehicle theft and vandalism
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for car repair businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Cyber insurance icon

Cyber insurance

This policy helps auto body shops recover financially from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.

BEST FOR
  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for automotive services?

Auto services employee calculating insurance costs.

A small auto body shop with a few workers will pay less for insurance than a larger shop. Factors that affect your premium include:

  • Type of business and its services
  • Value of your equipment and repair facility
  • Business size and revenue
  • Other types of coverage, such as garage keepers insurance
  • Policy limits and deductibles
  • History of insurance claims
View Costs

How do I get auto body shop insurance?

It’s easy to get auto body shop insurance coverage if you have your business information on hand. Our insurance application will ask for basic facts about your shop, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your auto body shop, whether you work independently or hire employees. Get quotes for garage liability insurance and other policies today.

What our customers are saying
Get free quotes for auto body insurance
Save money by comparing insurance quotes from multiple carriers.