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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.

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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.

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. 

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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.

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