Coverage built for paint booths, frame racks & other people's collisions
A paint booth fire, a frame rack malfunction, a car that leaves your shop looking perfect but hiding a structural miss — collision repair carries risk most policies don't anticipate. We connect you with specialists in body shop coverage.
What DRP networks & state programs require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- Garage liability plus garagekeepers coverage to work on insurance-referred vehiclesRequired
- Direct Repair Program (DRP) agreements with insurers typically set minimum liability limitsRequired
- Workers' comp for techs working around paint booths, frame racks, and welding equipmentRequired
Licensed Auto Body Shop Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What auto body shops need to be covered
Auto body shops combine flammable paint and solvents, heavy frame equipment, and full financial responsibility for vehicles that were already damaged before they arrived. Insurers' Direct Repair Program agreements often set minimum coverage requirements before they'll refer work your way at all. The right program is built around those specifics, not a generic contractor template.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Garage Liability & Garagekeepers
Covers liability from operating an auto-service business plus damage to customer vehicles left in your care, custody, or control.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Where auto body shops get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksPaint booth fires
Automotive paint and solvents are flammable, and spray booths concentrate that risk in one enclosed space. Commercial property coverage responds to fire damage to your building and equipment.
Structural or frame-repair claims after the fact
A frame straightened out of spec can fail a later safety inspection or, worse, in a subsequent accident. Completed-operations coverage under general liability responds to claims that surface after the vehicle has left your shop.
Vehicles damaged further while in your custody
A car pulled off a frame rack incorrectly, or damaged during disassembly and reassembly, is a garagekeepers claim — standard liability doesn't cover property that was never yours to begin with.
DRP network compliance gaps
Falling below an insurer's Direct Repair Program minimum coverage requirements can mean losing referral volume overnight. We help match you with limits that keep your DRP relationships intact.
Why auto body shops can't skip coverage
- Insurance company Direct Repair Program (DRP) agreements — the referral pipeline many body shops depend on — typically set minimum garage liability limits as a condition of participation.
- Garagekeepers coverage is what actually protects a customer's vehicle while it's disassembled, on a frame rack, or in your paint booth; general liability alone usually doesn't.
- Paint booth and solvent storage rules vary by state fire code, and proof of adequate property coverage is often part of passing inspection.
By the numbers
Top 10
BLS injury-rate ranking
104K+
U.S. auto body shops
65+
Specialists in our network
Auto Body Shops insurance FAQ
Often, yes — insurers frequently set minimum garage liability limits for shops in their Direct Repair Program. We'll help you confirm your policy meets what your DRP partners require.
Get matched with a auto body shop specialist
Share a few details and a licensed agent who understands auto body shops will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state