Hedge / Appetite / Auto body & paint shops
Review case by case / P&C

Auto body & paint shops.

Auto body & paint shops is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Collision and paint shops with permitted booth & venting. Published target coverage includes General Liability with a published target of $1M / $2M, Garagekeepers with a published target of $500K, and Commercial Property with a published target of $2M / loc. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   811121
Also known as   body shop, collision repair
Coverage

Published target coverage.

These are starting-point lines and limits for a auto body & paint shops submission. Hedge confirms current fit, route, and available terms after account review.

General Liability $1M / $2M General Liability wholesale → Garagekeepers $500K Garagekeepers wholesale → Commercial Property $2M / loc Commercial Property wholesale → Pollution $500K Pollution wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $2M General Liability for auto body & paint shops Coverage context, underwriting facts, forms, and preparation guidance. $2M / loc Commercial Property for auto body & paint shops Coverage context, underwriting facts, forms, and preparation guidance. $500K Environmental and Pollution for auto body & paint shops Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for auto body & paint shops
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Permitted booth with active maintenance
02 Insurance-direct repair shop
03 No fleet / OEM exclusivity
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Paint booth permits + venting docs
  • 02Air permit (where required by state)
  • 03Solvent disposal vendor
  • 04Lift count + customer cars max
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Auto body & paint shops in California
CA · Review case by case
BAR license required; CARB air permit copy at bind.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write auto body & paint shops?

Case by case. Auto body & paint shops may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. Collision and paint shops with permitted booth & venting.

What does Hedge need to quote auto body & paint shops?

Paint booth permits + venting docs; Air permit (where required by state); Solvent disposal vendor; Lift count + customer cars max. These items support placement review, but an underwriter may request more.

Why is auto body & paint shops edge for Hedge instead of a clean yes?

Auto body & paint shops can fit, but specific files vary. The Sweet spot section lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.

Does Hedge write body shop?

Body shop is one way brokers describe auto body & paint shops, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671