Auto body & paint shops insurance · Edge · Hedge E&S
Hedge / Appetite / Auto body & paint shops
Edge, case by case / P&C

Auto body & paint shops.

Collision and paint shops with permitted booth & venting.

NAICS   811121
Also known as   body shop, collision repair
Coverage

What we'd quote.

Standard limits on a clean auto body & paint shops submission. Excess towers structured on request.

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

Where this fits cleanly.

When the file matches this profile we quote without referral.

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

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 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 · Edge, 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 fits our broader appetite, but the specific file needs the extra detail in the Submission section before we can quote. 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. Pulling these together with the file gets you to a quote in hours.

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 above lists what we quote without referral; the Edge cases section flags the situations that push a submission to individual review. Send the file with the Submission items and we'll come back inside the hour with a quote, a clear set of subjectivities, or a redirect.

Does Hedge write body shop?

body shop is one of the ways brokers describe auto body & paint shops, and the same edge appetite applies: case by case. The Sweet spot section above covers what we quote without referral, and the Edge cases section flags what pushes a submission to individual review. Send the file with the Submission items and we'll come back inside the hour.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671