Auto Body Repair Insurance in Virginia and North Carolina

Running a successful auto body repair shop in a fast-paced environment comes with unique, high-stakes challenges. At Cothran Schoonover Insurance, we don’t just sell generic policies; we specialize in protecting the businesses that keep our communities moving.

Through our dedicated Commercial Division, you work directly with specialists who understand the automotive repair industry. As an independent agency, our Account Managers actively shop your policy across our network of top-rated carriers to build a customized, cost-effective safety net for your shop, your employees, and your customers.

Specialized Protection for Your Shop

We tailor our commercial insurance solutions to address the specific risks of your daily operations, ensuring you have the right coverage in place before the unexpected happens:

  • Garage Keepers Coverage: You work hard to earn your customers’ trust. Our policies protect that trust by covering their vehicles against fire, theft, vandalism, or collision while they are in your care, custody, and control.
  • Towing Operations: Whether you operate your own tow trucks or partner with a third party, towing introduces heavy liability. We provide comprehensive coverage for your towing vehicles and the third-party vehicles you transport, shielding you from expensive accident claims.
  • Employees’ Tools: High-quality repair services rely on highly specialized equipment. We extend coverage to protect your employees’ valuable tools from theft, loss, or damage, whether they are stored at your shop or taken off-site, so your team never misses a beat.
  • Workers Compensation: Your mechanics and technicians are the backbone of your business. We help you demonstrate your commitment to their safety by providing coverage for medical expenses and lost wages in the event of a workplace injury, keeping you compliant and your team protected.
  • Business Property Coverage: From your building and heavy machinery to your paint inventory, we safeguard your physical assets against fire, theft, vandalism, and severe weather so you can recover quickly from a total or partial loss.
  • General Liability Insurance: We protect your business from the financial impact of third-party lawsuits. If a customer slips on your premises or claims your work caused subsequent damage, our policies cover the legal expenses, settlements, and judgments.
  • Business Interruption Coverage: If a disaster forces you to temporarily close your doors, the bills don’t stop. We help you recover lost income and cover ongoing expenses like payroll and rent so your business can bounce back without financial ruin.

The Cothran Schoonover Advantage

When you partner with us, you gain a dedicated team of professionals focused entirely on commercial risk. From fast certificates of insurance to proactive policy reviews that ensure your coverage evolves as your shop grows, we handle the insurance so you can focus on the repairs.

Get a Quote on Your Auto Body Repair Insurance

Protect your shop with confidence. Contact Cothran Schoonover Insurance today for a fast, free auto body repair insurance quote. Let our dedicated team help you find the best protection for your bottom line.

Find Local Auto Body Repair Insurance Near You

We offer personalized commercial insurance throughout Virginia and North Carolina. Reach out to your local office today:

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