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    Auto body insurance is a specialized commercial coverage that’s designed to meet the unique needs of auto body shops. In order to offer these businesses with robust protection, most policies are drafted as package policies that come with multiple individual protections within them.
    The vast majority of auto body shops in Massachusetts ought to carry auto body shop insurance. Few (if any) of these businesses are free of risk, and this is usually the most appropriate type of insurance for these businesses. Not having coverage in place often leaves a business unnecessarily and dangerously exposed to perils.
    • General Liability Coverage
    • Garage Keepers Liability Coverage
    • Commercial Property Coverage

    What is Auto Body Insurance?

    Auto body shops in Massachusetts are exposed to a variety of risks, including property- and liability-related perils, by the work they do. Auto body insurance helps these businesses protect themselves from many of the risks they face.

    Auto body insurance is a specialized commercial coverage that’s designed to meet the unique needs of auto body shops. In order to offer these businesses with robust protection, most policies are drafted as package policies that come with multiple individual protections within them. 

    What Massachusetts Businesses Need Auto Body Shop Insurance?

    The vast majority of auto body shops in Massachusetts ought to carry auto body shop insurance. Few (if any) of these businesses are free of risk, and this is usually the most appropriate type of insurance for these businesses. Not having coverage in place often leaves a business unnecessarily and dangerously exposed to perils.

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    What Protections Does Auto Body Shop Insurance Make Available?

    Businesses can often adjust the coverages in their particular policy, so the exact coverages included in any one auto body shop insurance policy can vary. Nonetheless, there are a variety of coverages that many policies make available as available or standard protections. Some of the more common coverages include:

    • General Liability Coverage, which might offer protection against accidents that cause harm to others or damage to others’ property
    • Garage Keepers Liability Coverage, which might offer protection for customers’ vehicles while they’re at a shop
    • Commercial Property Coverage, which might offer protection for a shop’s building and equipment
    • Crime Coverage, which might offer protection against theft during a break-in or committed by an employee
    • Commercial Auto Coverage, which might offer protection for a tow truck, loaner cars or other shop-owned vehicles
    • Business Interruption Coverage, which might offer protection for certain covered decreases in income
    • Commercial Umbrella Coverage, which might offer supplemental liability protection for expensive covered lawsuits

    There are still more coverages that auto body shops sometimes select. An insurance agent who specializes in this form of commercial insurance can help shops choose the coverages which are appropriate for their situation.

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    TESTIMONIALS

    Customers Love Us

    • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

      Frank

      Winchester, MA

    • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

      Tony Bartolo

      Lynnfield, MA

    • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

      Kelly Ilebode

      Boston, MA

    Auto Body Insurance Massachusetts

    Do Auto Body Shops Need Workers Compensation Coverage?

    The vast majority of auto body shops in Massachusetts have employees and are generally required by state law to carry workers compensation coverage. This is an insurance protection that usually provides workers who are injured or become ill due to their work with help covering their resulting medical expenses and lost income.

    Whether workers compensation is purchased within or apart from an auto body shop policy depends on the particular policy, however. Sometimes workers compensation is included in a policy, and other times it’s acquired via a stand-alone policy that comes with the one protection. 

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    Are Auto Body Shop Policies Expensive?

    Auto body shop policies tend to be affordable, although they do vary in price. Some of the factors that might influence how much a policy costs include the:

    • Location of an auto body shop
    • Number of vehicles a body shop repairs
    • Past claims history of the body shop
    • Coverages, deductibles and limits chosen

    Auto Body Insurance Massachusetts

    How Can Body Shops Get Auto Body Insurance?

    For assistance insuring a body shop that’s located in Massachusetts, contact the insurance agents at Paul T. Murphy Insurance. Our independent agents are able to help you compare auto body insurance options from multiple insurers in the state, and they have the expertise necessary to help you select the best available option for your shop. With our team’s guidance, you can be confident that your body shop is well protected from many of the perils it faces.

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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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