Think Insurance, UK, Walsall
spray paint tool

Body Shop Insurance

Protect Your Body Shop With Think Insurance

We are specialists in providing cover for body shops and vehicle repair garages, offering protection for machinery, tools and specialist equipment, as well as buildings and contents too. We can cover your vehicles, any courtesy cars you have, and protect you and your employees to drive your customers’ vehicles too. With Road Risk policies, Combined policies and Liability cover for Products, Employees and members of the Public, we can provide a tailored policy to suit your business. Get a quote and see how much you could save!

body shop spray paint car

What Is Body Shop Insurance And What Does It Cover?

For anyone running a Body Shop, having the right insurance cover in place is vital, no matter whether you work full-time or part-time, from your garage at home or from designated business premises. The right policy can cover you to drive customer vehicles as well as your buildings and contents, tools, machinery and spraying equipment too. Additional cover is available for other items, so make sure you’re fully covered.

Body Shop Insurance Explained

A Motor Trade insurance policy for body shop owners can come in various types and levels of cover; for body shop owners working from home, a Road Risk policy may be suitable to cover you to drive customer vehicles in order to move them while working on them, while owners of shops operating from fixed business premises might choose a Motor Trade Combined policy to cover their buildings and contents as well.

There are three levels of cover available; Third Party Only, Third Party, Fire & Theft and Comprehensive. If you take out Third Party Only cover and you are involved in an accident while driving or moving a customer’s vehicle, then your insurer will only cover the costs for damage or injury to the third party and their property. Similarly, Third Party Fire & Theft cover will protect you against any third party claims made against you, with the addition of fire damage to or theft of your own vehicles. Thirdly, Comprehensive cover will also protect you against damage to your own vehicles too.

For businesses with employees, even if you only have 1 employee, then it is a legal requirement for you to have Employers’ Liability cover in place in case there are any injuries, illness or even deaths caused by negligence in the workplace.

To protect any members of the public in case they are injured whilst on your premises, then you will need to take out Public Liability insurance; to cover you in case faulty or defective products which you may fit cause an accident or subsequent damage, then Product Liability insurance will enable you to sue the product supplier.

A Motor Trade Combined policy can cover all of the above, as well as additional elements including the premises itself and any tools, equipment and machinery within it, business interruption risks, plus general stock and any money kept on site.

Features & Benefits Of Our Body Shop Insurance

Get cover for all your body shop equipment like your spraying booths, spray guns, lifting machinery and other garage equipment with a Think Insurance body shop policy. Cover your tools, your money and anything else vital to the running of your body repair business. Protect your buildings and all their contents, and cover your business against unforeseen closure with business interruption cover. If you have courtesy cars you loan to your clients while working on their vehicles, we can protect them too. Plus if you have employees, you can meet your legal requirements with one of our Employers’ Liability policies. Our body shop policies can include the following: 

  • Road Risk & Combined Cover
  • Body shop Equipment Cover
  • Tools & Portable Tools Cover
  • Driving Customer Cars
  • Split Indemnity Available
  • Multi Premises Cover
  • Multiple Drivers Covered
  • Buildings & Contents Cover
  • Cover For Vehicles
  • Employers’ & Public Liability
  • No Claims Bonus Protection
  • Claims & Convictions Covered

Who Needs Body Shop Insurance?

It doesn’t matter if you run your body shop business from your garage at home, or you operate out of larger, specific business premises, you will still need motor trade insurance to cover you. Similarly, it doesn’t matter if you work part-time or full-time, you still need cover. The only difference will be the type and level of cover that you decide to purchase.
When choosing the cover level and type, you will need to consider covering anything that your business depends on in order to continue trading such as tools, machinery and stock. For businesses operating from home then you’ll need a Motor Trade Road Risk policy; for businesses operating from a designated premises then a Motor Trade Combined policy will be needed instead.
For anyone with employees, whether they are mechanics, admin support or apprentices, Employers’ Liability cover is a legal requirement, with serious fines imposed for anyone caught without the correct cover in place. Public Liability and Product Liability are optional levels of cover, but in the unfortunate event of an accident or something going wrong, a claim could lead to significant cost!

A Body Shop insurance policy is suited to the following:

  • Body Shop Owners
  • Vehicle Repair Garages
  • Vehicle Customisation Garages

Why Is It Important To Have Body Shop Insurance?

In the UK, it is a legal requirement for motor trade businesses to have a minimum level of insurance cover to protect themselves, their employees, their customers and members of the public too. It’s then down to the individual business owner to decide what cover, over and above the minimum required, they want to take out to protect their business.
Although any additional cover comes at an additional cost, you have to weigh up the risk (and cost) that could be posed form a potential accident occurring. The cost of a claim following faulty repairs, damaged parts fitted or negligence could easily run in to tens of thousands of pounds, which could seriously impact on our business and even put its future in doubt – so choosing the exact cover you want can be a very significant decision.

So why is it important?

  • You Need It By Law
  • It Provides Liability Cover
  • To Cover Your Tools
  • To Cover Machinery
  • Buildings & Contents Cover
  • To Cover Your Stock
  • Business Interruption Cover

Why Should You Pick Think For Your Body Shop Insurance?

  • Protect your body shop equipment including spray booths, lifting machinery & ramps
  • Cover you and your employees to drive customer vehicles 
  • We offer No Claims Bonus Protection on motor trade policies
  • We cover your courtesy cars too
  • We offer flexible vehicle indemnity limits
  • We can protect your buildings and contents, plus your vehicles and money 
  • We can arrange optional Employers’ Liability, Public Liability and Sales & Service Indemnity
  • We are one of the UK’s leading Motor Trade Body Shop insurance brokers
  • 24 / 7 / 365 Claims Helpline provided by Kingsway
  • Take advantage of our flexible payment and instalment options