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Why Auto Body Shops Should Consider Maintaining Specialized Insurance Coverage

If your business specializes in auto body work or other common automotive services, there are several reasons to seriously consider getting specialized auto body shop insurance. Beyond the usual risks auto parts workers face in their line of work, auto body shops may encounter several difficult legal and financial situations that could be mitigated with thorough insurance.

Auto Body Shops Face a Number of Professional Risks

In the regular course of business, auto body shops may be vulnerable to any number of risk, from damaged vehicles to injured workers and more. Some of the most frequent risks auto shops face include:

  • Damage to customer vehicles by vandalism, fire, theft or other issues
  • Building break-ins or environmental damage
  • Forced temporary closures and resulting loss of income
  • Customers’ medical bills if required following lawsuits
  • Employee theft
  • Burglaries and holdups
  • Environmental pollution from oils, solvents and other common materials
  • Employee injuries on the job

Specialized Coverage Can Help Protect Your Auto Business

Fortunately, specialized auto coverage is designed to help protect your auto shop in a number of common scenarios. For full protections and wide-reaching coverage, consider getting a package that includes:

  • General liability coverage
  • Products liability insurance
  • Garage liability insurance
  • Workers’ compensation
  • Business interruption insurance
  • Commercial property insurance
  • Commercial auto insurance
  • Pollution liability insurance
  • Garage-keepers insurance

Without adequate auto body shop insurance, automotive services businesses may find it difficult to keep up financially when tough times strike. Carefully review these essentials and consider maintaining a specialized insurance policy at all times.