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Owning a car body shop comes with its risks. You’re working on customers vehicles all day, and it’s likely that you’ll need to drive it to and from your premises. This is where car body shop insurance comes in.
In addition to this, you will be using a range of specialist tools and working from a dedicated premise, all of which you need to protect. You need to ensure that your insurance policy reflects your business's specific requirements. A typical car body shop insurance policy will cover the vehicles which are in your possession, your business assets, and its liabilities.
This is perfect for those based at home rather than at a set premises. This helps cover the vehicles that are in the trader’s possession when on the road. This will help with situations such as driving a vehicle from your garage to a driveway, picking up or returning a vehicle to a customer, or testing a vehicle after repair work has finished.
You will need a combined policy if you own and operate a business from a location, rather than out of your home. This is also essential if you employ workers, keep any stock, and store customers vehicles overnight.
We understand that taking out car body shop insurance can seem quite daunting. That’s why we’ve put together a collection of FAQs to answer any questions that you may have.