WHO IS BODYSHOP INSURANCE FOR?

Having made that progression to business premises you now have choices, you can continue to be a mobile repairer as well as progressing to bigger things such as a body shop or accident repair centre, perhaps the best of both worlds one could argue?

Once you have your premises, you are likely to need additional covers for your business. You will need to insure the building if you are buying it, if you are renting you could be making changes to the structure, perhaps to install a spray booth if you are planning to repair larger areas or respray vehicles.

Paint mixing schemes, tools, plant and machinery, extractions systems all play a part in your business and this is where quality Bodyshop insurance is essential.

Having made that progression to business premises you now have choices, you can continue to be a mobile repairer as well as progressing to bigger things such as a body shop or accident repair centre, perhaps the best of both worlds one could argue?

Once you have your premises, you are likely to need additional covers for your business. You will need to insure the building if you are buying it, if you are renting you could be making changes to the structure, perhaps to install a spray booth if you are planning to repair larger areas or respray vehicles.

Paint mixing schemes, tools, plant and machinery, extractions systems all play a part in your business and this is where quality Bodyshop insurance is essential.

WHAT DOES A BODYSHOP INSURANCE POLICY COVER?

Road Risks Insurance

Whether you are still providing a mobile repair service or you have decided that its time concentrate only on your premises business, you still need to drive customers vehicles. Having a motor trade combined insurance policy includes Road Risks Insurance.

Road Risks Insurance allows you to legally drive both your own vehicles and your customers vehicles on the road, you can also choose which members of staff who need to drive and whether that is for business use only or whether pleasure use is also required.

Just like a private car insurance policy the covers available are Third Party Only or Include Fire and Theft cover whilst Comprehensive Insurance cover will pay for any physical damage done to the vehicle itself.

Bodyshop Public Liability Insurance

With customers now coming to your premises, working on their vehicles its essential that you have Public Liability Insurance in place should your customer allege that they have been injured because of your negligence.

Even working on their vehicle means you are exposed to claims and whether you have or haven’t caused loss or damage you need to have quality defence in place to pay legal costs and compensation should you have been found responsible. Having comprehensive public liability in place designed for what your business does can be crucial.

Employers Liability for Bodyshops

Having people working for you can be a great way to grow your business, whether they are full-time, part-time, voluntary or on schemes such as work experience, Employers Liability insurance is a legal requirement, you need to have the cover by law. This statutory cover protects you against an employee getting injured whilst they are carrying out work for you.

Bodyshop Business Contents Insurance

Your business tools and equipment are essential to run your business and bodyshop contents insurance is there to protect them should the worst happen, a fire, flood or storm damage can easily destroy your equipment. Theft is an ever present concern, your portable hand tools, expensive spray guns and air tools can be at risk but having comprehensive contents insurance in place can protect your bodyshop business and get you trading again quickly.

Sometimes a claim at your business premises can mean that you can’t work for a period of time, Business Interruption Insurance is there to make sure that your business can continue to pay its bills such as rent or mortgage payments, leases on business equipment or vehicles but essentially to plug the gap whilst your premises are repaired.

WHY INSURE YOUR BODYSHOP WITH CHIPSMART?

Being a specialist insurance broker to the vehicle repair sector we understand what your business does, we understand your exposures both as a mobile repairer and as a body shop or accident repair centre.

Chipsmart has been providing the specialist covers needs for the repair sector for many years and deal with hundreds of mobile repairers as well as bodyshops.

Speak to one of our motor trade insurance specialists today on 0330 058 0262, we not a call centre driven by what the computers tell us to ask, we are experienced and knowledgeable people who “can” give advice.

Chipsmart is a Trading Style of Real Insurance Group