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

Auto body & paint shops in California.

Auto body & paint shops in California is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. BAR license required; CARB air permit copy at bind. 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
Submit a risk All states for this class
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
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 in California?

Case by case in California. BAR license required; CARB air permit copy at bind. The base appetite guidance still applies, subject to account and market review.

What's different about auto body & paint shops in California?

BAR license required; CARB air permit copy at bind. This is the state-specific issue to address up front. The base auto body & paint shops guidance otherwise applies. See the Submission section for the current list.

What limits will Hedge offer on auto body & paint shops in California?

General Liability target up to $1M / $2M; Garagekeepers target up to $500K; Commercial Property target up to $2M / loc; Pollution target up to $500K. These are published targets, not promised terms. BAR license required; CARB air permit copy at bind. Available limits are confirmed after account and market 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