Garage Liability
Combined GL and auto liability form covering customer injuries, property damage, and vehicle movement claims at your collision repair facility.
What Body Shop insurance covers
The full body shop insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 6
- Priority tiers
- Core · Recommended
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Garagekeepers Legal Liability
Covers damage to customer vehicles during multi-week collision repairs. Direct primary form pays regardless of fault, including fire, theft, and hail.
Read the Garagekeepers Liability guideWorkers Compensation (NCCI 8393)
Medical costs and lost wages for body technicians, painters, and prep workers. Premium scales with payroll under NCCI code 8393.
Read the Workers Compensation guideRecommended
Common across most operations
Pollution Liability
Pays remediation costs when paint solvents, isocyanates, or VOCs contaminate soil or reach a storm drain. Standard garage liability excludes pollution.
Read the Pollution Liability guideCommercial Property (Including Spray Booth Endorsement)
Protects your building, spray booths, frame machines, and mixing rooms against fire, theft, and storm damage.
Read the Commercial Property guideUmbrella / Excess Liability
Extends limits above garage liability, commercial auto, and employers liability. Often required by DRP agreements as a condition of participation.
Read the Umbrella Insurance guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your body shop insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.