Florida Body Shop Insurance quote and information.

1. How do insurance companies define Body Shop?
2. What risk exposure do Body Shop have?
3. What is the price of Body Shop insurance?
4. Is insurance for Body Shop required in Florida?
5. What coverages are common to Body Shop businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Body Shop Insurance?

Paint shops are not limited to painting, but also include rustproofing or coating exposures that require Florida Body Shop Insurance.

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What risk exposure do Body Shop have?

Property Exposures

Is from fire because of the paints, chemicals, solvents or other flammables. These must be properly labeled, stored and separated. Painting, coating and rustproofing should be in approved spray booths with good ventilation, protected wiring and adequate controls. Another reason why Florida Body Shop Insurance is important.

Inland Marine

Exposure comes from goods in transit. Employees will run errands to pick up various items that are needed and transport them back to the operations. Values will vary, based on parts needed. The radius will also vary but tend to be local.

Crime Exposures

Are from Employee Dishonesty and money and securities. In Florida all ordering and inventory control should be handled by different individuals in order to provide adequate checks and balances. There should be inventory control procedures in order to prevent employee theft. Cash should be maintained by a cashier with money regularly deposited.

Premises liability

Exposure is from slip and falls by customers. There is also the attractive nuisance of cars in the parking lots. Florida customer waiting areas should be provided, and customers must be not be permitted in the garage area.

Lots should be well lighted with chains in place to prevent entrance after hours.

Environmental Impairment Exposures

Can have serious concerns from the disposal of waste paints, solvents and other hazardous or toxic substances. Disposal procedures need careful review.

Automobile exposures

Are from errand running to pick up needed supplies. All Florida drivers should have valid licenses and their MVRs regularly checked. If towing takes place, a more serious exposure exists. All tow drivers must be experienced in towing. Vehicles must be regularly checked, in particular the hoists and tow bars.

Garage Keepers Exposure

Comes from the physical damage losses to customers’ vehicles while in the repair shop’s care, custody and control. Lots must be well lighted and chains should be in place to prevent transport. Fences and other security also may be appropriate.

Workers Compensation

Losses occur most often from injuries sustained during the lifting of a vehicle by hoists, jacks,
and other mechanical means. When lifting is done with non-mechanical devices, the results are often back injury,
sprains, strains or hernias. Fumes and vapors from the painting operations are a concern.

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What is the price of Body Shop insurance?

There’s no single price, because insurers rate each body shop on its own details. The biggest factors are the ones our quote form asks about: the garage services you offer and the types of vehicles you work on or sell; where the work is done, including any roadside or mobile work; how much of your work involves boats, motorcycles, ATVs, RVs, heavy trucks or tires; your number of employees and revenue; the garage liability, garage keepers and physical damage limits you want; how many vehicles you keep on the lot and what they’re worth; how long you’ve been in business; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Body Shop required in Florida?

Florida requires body shops, like other motor vehicle repair shops, to register with the Florida Department of Agriculture and Consumer Services before doing business (Section 559.904, Florida Statutes). Many counties also require garage liability for businesses that work on vehicles.

Florida requires workers’ compensation once a shop has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

What other insurance should a Body Shop consider?

Commercial Property, Business Income, Accounts Receivable, Computers, Goods In Transit, Employee Dishonesty, Money and Securities, General Liability,Employee Benefits, Environmental Impairment,
Umbrella, Commercial Auto, Garage Keepers, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.