Auto Body Shop Insurance

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 provides coverage for some of the most common accidents that could happen at your body shop. You’ll have financial protection if someone other than an employee gets hurt or if you’re held responsible for damaging someone’s property. If a technician accidentally backs a car into a van and damages the car’s bumper, general liability could help pay for repairs. You would have financial help if there’s a lawsuit after someone slips and falls at your business.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Property

For business owners with expensive equipment

Commercial property insurance helps to cover the inventory, gear and equipment you own or rent to run your shop. If vandals break into your shop and destroy your paint booth, property insurance can help with the cost of replacing it.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Learn more

Garagekeepers Coverage

Included with general liability in Pro and Pro Plus packages

Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If you accidentally scratch a car’s paint job while making repairs, garagekeepers insurance could help cover expenses to repaint the vehicle.

Garagekeepers Coverage can help you pay for:

Dents and scratches

Vandalism

Fire or extreme weather

Faulty Work

Coverage for professional mistakes

Faulty work insurance helps to cover expenses and financial losses if you are accused of making a mistake at your shop. If a customer wants to sue because you painted their car the wrong color, faulty work coverage would help to cover any defense costs.

Faulty Work can help you pay for:

Redoing a job that wasn’t up to par

Legal defense costs

Professional negligence (actual or alleged)

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.

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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.

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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’ll 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 would 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 would 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’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your 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.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.