Body Shop Insurance
Specialist insurance for vehicle bodywork repairs, coachwork, paint spraying, and more.
Body Shop Insurance
From flawless paintwork to precise panel beating, and the fitment of new parts, your skills return vehicles to their original glory. With Kingfisher, we will ensure that your specialist work is covered with insurance to protect the unique aspects of your business.
What is Body Shop Insurance?
Vehicle body shops perform various tasks, from coachwork and paint spraying to panel beating, and replacing parts and windscreens, among other services. To undertake this work, you need specialist insurance cover for the vehicles you work on, your business premises, and your tools and equipment.
Kingfisher’s dedicated team of motor trade experts can guide you through the specialist insurance required. With years of experience in covering for body shops and approved repairers, we’re a reliable broker you can count on for consistent support and expert advice.
What specialist insurance covers are required by vehicle body shops?
In addition to road risks insurance and traders combined insurance, your body shop may need specific covers to protect your business.
Kingfisher can provide insurance for:
- Paint spray booths, lifting tables, and compressors
- Tools and equipment
- Portable hand tools
- Public liability and employers’ liability
- Employers’ liability coverage
- Professional indemnity
We visit your business to evaluate your specific needs and offer you the appropriate insurance.
Why choose Kingfisher for Bodyshop Insurance?
Nationwide coverage
We visit premises across the UK
Personal service
From a dedicated team of motor trade insurance experts
Product coverage
Whatever your motor trade, we’ll seek insurance for your needs
Frequently Asked Questions
What does motor trade body shop and auto repair insurance cover?
It typically includes protection for damage to vehicles in your care, custody, or control, as well as liability coverage for customer injuries or property damage. It may also cover equipment, tools, and business premises.
Do I need additional coverage for specific risks, such as hazardous materials or tool theft?
Some repair shops may need specialised coverage for particular risks, such as hazardous materials handling or tool and equipment theft. These risks could be included as part of your motor trade combined policy.
How is the cost of motor trade body shop and auto repair insurance determined?
The cost of insurance depends on various factors, including the size of the business, the type and value of vehicles serviced, the location, and the level of coverage required. Insurance providers may also consider factors like previous claims history, security measures in place, and safety protocols.
Are my employees covered under the policy?
Questions regarding employee coverage are common. Many policies include coverage for employees operating vehicles during their work. However, it’s essential to clarify the specifics of employee coverage with your insurance provider.
What if a customer’s vehicle is damaged in my care?
Auto repair and body shop owners may want to understand how the insurance handles situations where customer vehicles are damaged while being repaired. Most policies provide coverage for such scenarios, but the details may vary.
Do I need business interruption coverage?
Business interruption coverage can be vital for auto repair shops. This coverage helps compensate for lost income when your business is temporarily unable to operate due to an insured event, such as a fire or flood.
What insurance does a vehicle body shop require?
· Road Risks insurance
· Traders Combined insurance
· Business premises insurance
· Coverage for tools and equipment in transit
· Coverage for tools and equipment on-site
· Business interruption insurance
· Service indemnity (protection against defective workmanship)
· Management liability insurance (directors’ and officers’ insurance)
· Engineering inspection policy
· Employers’ liability and public liability insurance
· MOT loss of licence insurance
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