Why paint & body is a higher-exposure operation
Body and paint shops carry exposures a mechanical shop doesn’t. Paint booths, solvents, and spray operations create fire and pollution risk; sanding and prep generate dust and waste; and because collision customers’ vehicles sit on your lot for days, your garagekeepers exposure runs higher and longer than a quick-service shop’s.
Property coverage on the booth and building, garage liability for operations, and careful attention to pollution and fire terms all matter here. See our auto body shop overview for more.
Coverage that matters for paint & body
Garage liability, garagekeepers (often larger limits given cars held longer), property for the booth and structure, and workers’ comp. Coverage is general in nature and governed solely by the terms of the issued policy.