Common questions about Auto body shops
Answering the most frequently asked questions about Auto body shops.
Does my property policy cover my frame machine?Gravity Certs2026-08-17T22:00:04-04:00
Against fire and theft, yes. Internal mechanical failure needs equipment breakdown coverage.
Are loaner vehicles covered?Gravity Certs2026-08-17T22:00:03-04:00
Only if scheduled on your commercial auto policy. Loaners are a common gap in body shop programs.
What if a repaired vehicle fails afterward?Gravity Certs2026-08-17T22:00:02-04:00
That’s a completed operations claim under general liability. Structural and airbag repairs carry the highest severity.
How long am I responsible for a customer’s car?Gravity Certs2026-08-17T22:00:01-04:00
For as long as it’s in your custody, which for body work is often weeks. Garage keepers covers that entire period.
Is my spray booth a pollution exposure?Gravity Certs2026-08-17T22:00:01-04:00
Yes. Overspray, solvent storage and waste disposal all fall outside general liability’s pollution exclusion.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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