Body Repair Insurance
Body repair service insurance is designed to cover the risks body shops and vehicle repair garages commonly face when completing their work. The clients who trust body shops with their vehicles expect a certain level of advice and expertise, and if they don’t receive this, they may decide to sue for fraud or negligence.
Equally, body shops need to protect their premises, specialist equipment, machinery and tools, and may need cover for any courtesy cars or for employees who drive customers’ vehicles. Rather than having to find a number of separate policies that cover all these risks, we can provide one tailored policy that meets the particular demands of your business to save you money and time.
Who Needs Body Repair Service Insurance?
Whether you run a body shop business from home or on a part-time basis, you still need insurance cover. The only difference is the type and level of cover you need.
For anyone with employees, whether they’re mechanics or admin workers, employers’ liability insurance is a legal requirement with hefty fines for businesses that aren’t covered. Public liability and product liability are also two types of cover you should consider. This cover is optional but could keep you in business in the event of an accident or if something goes wrong while working on a customer’s vehicle.
What Cover Do We Offer?
Our flexible body repair insurance policies are tailored to whatever activities you undertake, even if you buy and sell cars or offer a recovery service on the side. Some options for cover include:
• Public and employers’ liability - up to £10 million indemnity level
• Equipment, machinery and plant – high sums insured
• Engineering inspection
• Road risks for motor trade including recovery and movement of customers’/personal vehicles and extensions for secondary activities such as buying and selling
• Office contents and other equipment, as well as stock
• Money cover, business interruption and theft
• Personal and business vehicles
• Marine cover for goods in transit
How Can CG Insurance Help?
We have a long history of insuring body repairers and panel beaters. That includes everything from one-man band mobile mechanics right through to substantial workshops focusing on niche repairs. As part of our service, we assess the specific requirements of your business and tailor a body repair service insurance policy that meets your needs precisely. This protects you against the risks you face without spending a penny more than necessary for cover you don’t need.
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