Car Body Shop Insurance

Body Repair Shop Insurance – Compare Prices with MultiQuote

Body shop and crash repair insurance is a specialised auto trade policy that offers protection for the unique risks of body repair businesses. These risks may arise from driving a customer’s vehicle while doing your job, theft of property from your premises, poor workmanship, workplace injuries, and accidental damages.

Whether you’re a self-employed professional working from home, a part-time technician or a large body shop company, vehicle crash and body repair insurance is recommended for you as long as your operations are commercial. This dedicated insurance will protect you, your customers, your employees, and your business in case of a loss or damage.

What Does Body Shop Insurance Cover?

Auto crash repair insurance typically includes different individual covers in one policy. However, most insurance providers will only allow you to choose the protections you need for your business. Some of the common types of body shop and crash repair insurance coverage include:

• Third-party-only – As the name implies, this vehicle insurance level protects you against damages you cause to others, but doesn’t cater for your losses
• Third-party, fire and theft – offers every benefit included in the third-party-only level and extra compensation for losses or damages to cars insured due to fire or theft.
• Comprehensive – offers the highest level of protection, including every benefit in previous cover levels and insurance for additional risks such as damages to your vehicle and stolen items.

• Employers’ liability – offers compensation for your employee’s injury, accident, and death liability claims.
• Sales & service indemnity insurance – insures your business against customer claims of careless service by you or your staff.
• Public liability – offers financial protection for claims associated with injury, accident, and damage from your customers.
• Business premises cover – provides insurance for your business premises against fire, flood, and theft. It may come with an additional content cover.
• Specialist tools and equipment – protects valuable work equipment and tools from loss, theft and damage.
• MOT loss of licence cover – provides coverage in case you lose your MOT licence due to certain situations.
• Business interruption cover – insures you in situations where you’re unable to earn income as a result of the closure of your business or loss of essential working equipment.
• Garage Keeper’s Liability – Protects against theft or vandalism of a customer’s vehicle stored in your possession during the job.