Auto body insurance designed to protect your business
NEXT’s auto body shop insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Garagekeepers coverage
- Faulty work
- HNOA
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for auto body repair shops.
General Liability
Bought by most body shop owners
general liability can help you pay for:
Commercial Property
For business owners with expensive equipment
commercial property can help you pay for:
Faulty Work
Coverage for professional mistakes
faulty work can help you pay for:
Garagekeepers Coverage
Included with general liability in Pro and Pro Plus packages
garagekeeper liability can help you pay for:
Save 10% with bundled body shop insurance
You can pay for your car body repair insurance monthly or annually and you can cancel at any time.
How much does auto body repair insurance cost?
You can save up to 19% when you buy auto body shop insurance with NEXT. The exact amount you pay will depend on:
- The types of services you offer
- Where your business is located
- The amount and value of equipment at your shop
- If you have any shop certifications
- If you bundle more than one type of coverage
A certified shop that bundles general liability with commercial property coverage can save up to 19%. Qualifying certifications are ASE, I-CAR (Gold class) and AAA-approved auto repair.
Auto body shop insurance requirements
Auto body technicians are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Get an auto body shop business license in your state.
- Lease or purchase a bay or shop. Landlords and banks may require it, and it protects your inventory, equipment and even the building that you lease or own.
- Protect your customers’ vehicles. Garagekeepers insurance helps to cover the repairs to the body of the car.
- Defend your business. Cover yourself for professional errors (actual or alleged).
- Drive customers’ cars safely. Hired & non-owned auto coverage offers protection if you take a customer’s car off the premises for a test drive.
- Repair or replace property you own or rent. Protect your equipment, inventory and the building that you lease or own.
Frequently asked questions about business insurance
Here are some of the most common questions we get about auto body collision repair insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect auto body repair shop owners?
Our auto body shop insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
You drop your paint gun and accidentally dent the hood of a customer’s van. General liability coverage gives you financial protection if you are held responsible for damaging property.**
Customer injuries
A customer’s kid trips over your tools and hurts himself. General liability helps to keep your business protected if someone other than an employee gets hurt.
Damage to vehicles at your shop
A paint stand falls over and punctures the side of a customer’s door. Garagekeepers coverage could cover the repairs to the body of the vehicle caused by the stand.
Professional mistakes
A customer claims you didn’t paint their car the color they requested. Faulty work insurance could help to defend you against the claim.
Damage to customers’ cars off the premises
Your employee takes a customer’s car for a test drive and accidentally causes an accident. Hired & non-owned auto (HNOA) coverage can be added to a commercial auto policy for coverage when you or your employees drive a customer’s vehicle.
Damage to your own property
Vandals tag your shop and equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire or vandalism.
Can I add to or change my coverage?
If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.
The quickest way to talk to our U.S.-based customer service team is through chat. You can reach us by clicking “chat with us” at the very bottom of the help center page.