Body Shop Insurance Georgia: Bondo or Real Coverage

Body Shop Insurance Georgia

What do we offer?

Auto repair shops range in the services they provide from vehicle mechanical and electric repair to auto body repair services, such as dent and scratch removal.  Most auto repair shops employ auto mechanics and electricians to repair vehicles that need basic maintenance or heavy-duty repair work. They may also specialize in certain types of vehicles or repair work like transmissions, tires, or brakes. If you own and operate an auto repair shop, you most likely know that you’re open to more than a fair share of risks. These involve liability risks from potential damage or theft of customer vehicles along with employee risks of working with the heavy and often dangerous equipment and tools. Protect these and other risks by obtaining auto repair shops insurance.

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Automotive repair shops, car mechanics and auto body shops are not only entrusted to fix their customers’ cars, but they are also entrusted to keep those cars safe while in their control. In addition, auto repair shops face the following types of business risk:

• Slips and falls
• Worker illness or injury
• Faulty workmanship or parts
• Fire, bad weather, vandalism or theft
• Damage to a customer’s vehicle while in your care
• Employee theft or crime
• Business interruption

You need a variety of business insurance policies to protect your business from these risks. In addition, garage liability insurance and garagekeepers insurance help you protect your customers’ property and your business in the wake of accidents, injuries or property damage.

Business Owner’s Policy

Most repair businesses have a Business Owner’s Policy (BOP). Why? Because it protects a repair business in much the same way a homeowner’s insurance policy protects your home and personal possessions.  By combining three basic insurance coverages that are important to virtually every small business, including home repair businesses, a Business Owner’s Policy can save your company money on insurance rates while protecting the small business you’ve worked so hard to build. 

1. General Liability – helps protect your home repair services business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer is injured at your shop or an employee causes damage to a customer’s property while on a repair call. It even helps cover certain claims of slander and libel against your repair business. Business Liability insurance does not cover liabilities directly arising out of the professional home repair services you may provide.
2. Commercial Property – helps protect the physical location of your repair shop and the equipment you use to conduct business, like the tools you use to make repairs, office furniture and equipment, or computers you use to create invoices – whether you own or lease them.
3. Business Income – helps cover the loss of income when you can’t run your home repair services business because of covered property damage.

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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!