Body Shop Insurance
Protecting the vehicles you repair, tools you rely on, and the business you’ve built.
Specialist Body Shop Insurance for Vehicle Repair Businesses
Whether you specialise in accident repairs, paint spraying, panel beating, vehicle restoration, SMART repairs, or specialist coachwork, your business faces unique risks every day.
At Kingfisher Insurance, we arrange specialist body shop insurance designed to protect the vehicles in your care, your premises, valuable equipment, and your reputation. Our experienced motor trade insurance team understands the challenges faced by body shops and approved repairers, helping you secure the right cover for your business.
What is Body Shop Insurance?
Body shop insurance is a specialist motor trade insurance solution created for businesses that repair, restore, paint, modify, or refurbish vehicles.
Whether that is a minor cosmetic repair or major accident damage work, body shops are responsible for valuable customer vehicles, expensive equipment, and potentially hazardous activities. Having the right insurance in place is key to helping protect your business against financial losses, property damage, liability claims, and unexpected interruptions.
Insurance Cover Available
Every body shop is different, which is why at Kingfisher Insurance, we tailor your policies around your individual requirements, which may include:
Road Risks Insurance – Protecting vehicles being driven for business purposes, including customer vehicles where appropriate.
Traders Combined Insurance – Comprehensive protection that combines several essential covers into one policy.
Material Damage Cover – Protection for your premises, buildings, contents, and stock.
Public Liability Insurance – Protection if a third party suffers injury or property damage connected to your business activities.
Professional Indemnity Insurance – Covers your business against claims arising from professional advice, services, or workmanship.
Tools and Equipment Insurance – Cover for specialist tools, diagnostic equipment, compressors, lifting equipment, and portable hand tools.
Goods in Trust Cover – Protection for customer vehicles while in your care, custody, or control.
Employers’ Liability Insurance – A legal requirement for most businesses that employ staff.
Business Interruption Insurance – Helping protect your income if an insured event temporarily prevents you from trading.
Who Is Body Shop Insurance Suitable For?
Body shop insurance can be arranged for a wide range of vehicle repair and refinishing businesses, including:
- Vehicle body repair centres
- Accident repair specialists
- Paint and spray shops
- SMART repair businesses
- Panel beaters
- Vehicle restoration specialists
- Coachwork repair businesses
- Windscreen replacement and repair companies
- Approved repairers
- Customisation and modification workshops.
We visit your business to evaluate your insurance needs and help tailor a package suitable for your body shop.
Why Choose Kingfisher for Body Shop Insurance?
UK-Wide Service
We work with body shops across the UK and can support businesses of all sizes.
Bespoke Service
We take the time to understand your business and arrange cover that fits your specific requirements.
Motor Trade Specialists
An expert team that understands your day-to-day and the challenges you face.
Frequently Asked Questions
What does body shop insurance cover?
Body shop insurance can cover your premises, tools and equipment, customer vehicles, road risks, public liability, employers’ liability, business interruption, and other key areas depending on your business requirements.
Do I need insurance for customer vehicles in my care?
Yes. If you’re working on customer vehicles, you’ll typically need cover that protects vehicles while they are in your custody or control. This can help safeguard your business against theft, accidental damage, or loss.
Is road risk insurance included?
Road risks insurance can often be arranged as part of your insurance package, allowing authorised drivers to move, test, collect, or deliver vehicles for business purposes. Cover will depend on your policy requirements and can be discussed during your review.
Are my tools and equipment covered?
Yes. Insurance can be arranged for fixed or portable equipment, including paint spray booths, compressors, diagnostic tools, lifting equipment, and hand tools.
Do body shops need employers’ liability insurance?
If you employ staff, employers’ liability insurance is usually a legal requirement and protects your business if an employee suffers a work-related injury or illness.
Can business interruption insurance help if my workshop closes temporarily?
Yes. Business interruption cover can help replace lost income and assist with ongoing costs if your business cannot operate following an insured event, such as a fire or flood.
