<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=530343144377320&amp;ev=PageView&amp;noscript=1">
Call Now
Call Us
(781) 321-9700
Working Hours
9:00am – 5:00pm
Email
info@ptminsurance.com
    Auto body insurance is a specialized commercial coverage that’s designed to meet the unique needs of auto body shops. In order to offer these businesses with robust protection, most policies are drafted as package policies that come with multiple individual protections within them.
    The vast majority of auto body shops in Massachusetts ought to carry auto body shop insurance. Few (if any) of these businesses are free of risk, and this is usually the most appropriate type of insurance for these businesses. Not having coverage in place often leaves a business unnecessarily and dangerously exposed to perils.
    • General Liability Coverage
    • Garage Keepers Liability Coverage
    • Commercial Property Coverage

    What is Auto Body Insurance?

    Auto body shops in Massachusetts are exposed to a variety of risks, including property- and liability-related perils, by the work they do. Auto body insurance helps these businesses protect themselves from many of the risks they face.

    Auto body insurance is a specialized commercial coverage that’s designed to meet the unique needs of auto body shops. In order to offer these businesses with robust protection, most policies are drafted as package policies that come with multiple individual protections within them. 

    What Massachusetts Businesses Need Auto Body Shop Insurance?

    The vast majority of auto body shops in Massachusetts ought to carry auto body shop insurance. Few (if any) of these businesses are free of risk, and this is usually the most appropriate type of insurance for these businesses. Not having coverage in place often leaves a business unnecessarily and dangerously exposed to perils.

    Speak With a Business Professional!

    What Protections Does Auto Body Shop Insurance Make Available?

    Businesses can often adjust the coverages in their particular policy, so the exact coverages included in any one auto body shop insurance policy can vary. Nonetheless, there are a variety of coverages that many policies make available as available or standard protections. Some of the more common coverages include:

    • General Liability Coverage, which might offer protection against accidents that cause harm to others or damage to others’ property
    • Garage Keepers Liability Coverage, which might offer protection for customers’ vehicles while they’re at a shop
    • Commercial Property Coverage, which might offer protection for a shop’s building and equipment
    • Crime Coverage, which might offer protection against theft during a break-in or committed by an employee
    • Commercial Auto Coverage, which might offer protection for a tow truck, loaner cars or other shop-owned vehicles
    • Business Interruption Coverage, which might offer protection for certain covered decreases in income
    • Commercial Umbrella Coverage, which might offer supplemental liability protection for expensive covered lawsuits

    There are still more coverages that auto body shops sometimes select. An insurance agent who specializes in this form of commercial insurance can help shops choose the coverages which are appropriate for their situation.

    Get a Free Quote!
    TESTIMONIALS

    Customers Love Us

    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Auto Body Insurance Massachusetts

    Do Auto Body Shops Need Workers Compensation Coverage?

    The vast majority of auto body shops in Massachusetts have employees and are generally required by state law to carry workers compensation coverage. This is an insurance protection that usually provides workers who are injured or become ill due to their work with help covering their resulting medical expenses and lost income.

    Whether workers compensation is purchased within or apart from an auto body shop policy depends on the particular policy, however. Sometimes workers compensation is included in a policy, and other times it’s acquired via a stand-alone policy that comes with the one protection. 

    Looking For a Business Quote?

    Are Auto Body Shop Policies Expensive?

    Auto body shop policies tend to be affordable, although they do vary in price. Some of the factors that might influence how much a policy costs include the:

    • Location of an auto body shop
    • Number of vehicles a body shop repairs
    • Past claims history of the body shop
    • Coverages, deductibles and limits chosen

    Auto Body Insurance Massachusetts

    How Can Body Shops Get Auto Body Insurance?

    For assistance insuring a body shop that’s located in Massachusetts, contact the insurance agents at Paul T. Murphy Insurance. Our independent agents are able to help you compare auto body insurance options from multiple insurers in the state, and they have the expertise necessary to help you select the best available option for your shop. With our team’s guidance, you can be confident that your body shop is well protected from many of the perils it faces.

    Get a Free Quote!
    Some additional information in one line
    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


        Proud Partner of        Arbella_Insurance_Logo (1)

     

    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

    Website Built & Powered by Jump Suit Group