Insurance for Body Shops in Texas

The auto body shop industry is thriving, thanks in no small part to the ever-increasing number of vehicles that ply our streets and highways. Customers go to these shops for many reasons, with some coming in to have the scratches, grazes, and dents on their vehicles repaired, while others want a complete paintwork. There are also body shops that cater to niche clients, like those providing customized vehicle modification or those who work only on specific brands of vehicles.

Whatever your auto body shop specializes in, protecting it from liability and financial risk is an absolute must. At Quote Texas Insurance, we focus on providing comprehensive insurance solutions for small and medium enterprises just like your body shop.

Insurance coverage: A must-have for all auto body shops

You can probably make an analogy between your business and having the right insurance coverage. Whereas auto body shops work on dents, scratches, and other forms of damage that tarnish a vehicle's exteriors, insurance policies work on pitfalls that could possibly harm not just your enterprise's reputation, but also its finances and long-term survival. That's why it always pays to have excellent insurance coverage.

  • Commercial general liability insuranceCommercial general liability insurance is the most basic form of insurance policy that you can get for your business. And make no mistake about it; businesses like body shops, which handle heavy machinery and vehicles, need this policy. Think about what would happen if someone gets injured in your shop. Without commercial general liability insurance, you'll be paying for your lawyer's fees and that person's medical bills out-of-pocket. Aside from personal injury, this policy also covers damage to other people's property and also advertising injury (e.g. slander and copyright infringement).
  • Professional liability insurance – This policy is a must for service-providing businesses like auto body shops because it covers for possible claims of negligence, errors, and omissions. For instance, if an unhappy customer brings you to court because he claims that you ruined his vintage car by doing a paintwork which he didn't like, professional liability insurance can intervene by paying for your lawyer's fee. If you are found culpable by the court, it also takes care of the compensation you are required to pay.
  • Garagekeepers legal liability insurance – Storing other people's vehicles can prove to be costly if these vehicles get damaged due to an unforeseen event. Garagekeepers legal liability insurance protects these cars and business vehicles by providing the necessary coverage for their repair or replacement if they get damaged by a mishap.
  • Workers' compensation insurance – Equitably providing for the needs of your workers includes getting them workers' compensation insurance. This does not only afford you important legal benefits, it also helps pay for many of your employees' benefits if they become impaired because of the job they do. The coverages of this policy include: medical benefits; wage replacement; rehabilitation benefits; and even death and burial benefits.
  • Commercial property insurance – Aside from their shop's main business location, auto body shop workers rely on various tools, equipment, and supplies to carry out their repair, maintenance, and modification services. It is absolutely necessary for business owners like you to shield your commercial properties from risks like fire, theft, vandalism, riots, and other perils. You can never go wrong with commercial property insurance, which pays for covered losses up to your insurance limit.

There is no reason why you shouldn't invest in the right insurance policies. As a responsible business owner, you have the power to choose the right kind of protection for your valuable assets. We make insurance simple. To learn more about our products and services, please contact us today.