Bottom line for Kentucky auto body shop owners: Kentucky auto body shops need a Garage Liability policy — this combines general liability, garagekeepers legal liability (covering customer vehicles in your care), and premises liability. Standard commercial policies exclude custody of customer vehicles.
Boswell Insurance Agency writes Kentucky auto body shops and repair shops. Blake Boswell, licensed Kentucky property and casualty producer.
Kentucky body shop coverage checklist
- Garage Liability. Premises + operations + auto ops. This is the base coverage.
- Garagekeepers Legal Liability. Covers physical damage to customer vehicles in your care, custody, or control. Choose direct primary or legal-liability basis carefully.
- Business Property. Building, equipment, tools, parts inventory.
- Workers Compensation. Kentucky mandatory for employers.
- Employment Practices Liability. Sexual harassment, wrongful termination, discrimination claims.
- Cyber liability. Estimating software, DMS/POS exposure.
- Environmental / Pollution Liability. Paint, solvents, and waste handling create pollution exposure standard policies exclude.
Get a Kentucky body shop quote
Call (270) 925-1524 or email BLAKE@theboswellagency.com.
