Coverage Options
Bedliner & Coating Shop Insurance
Every policy a spray-on bedliner shop needs — in one place, from specialists who understand garagekeepers, coating-failure, and pollution risk.
Garagekeepers Insurance
Garagekeepers insurance covers damage to a customer's vehicle while it's in your possession for bedliner application or coating work. Every truck that rolls into your bay is your responsibility — garagekeepers is the policy that protects you when something goes wrong.
- Customer vehicle damage in your care
- Overspray & masking damage to paint/glass
- Fire, explosion & solvent loss
- Theft & vandalism of customer vehicles
General Liability Insurance
General liability covers third-party injury and property damage from your premises and operations — a customer who slips in your shop, or property you damage at a job site. It's the baseline policy your lease, franchise agreement, and commercial accounts require.
- Customer bodily injury (slip & fall)
- Third-party property damage
- Mobile / on-site operations
- Products-completed operations base
Products & Completed Operations
Completed-operations coverage responds when a bedliner or coating you applied fails after the job is done — delaminating, peeling, bubbling, or failing to adhere — and the customer claims resulting damage. It's the coverage for the work after it leaves your bay.
- Coating adhesion / delamination claims
- Peeling, blistering & cure failures
- Resulting rust & corrosion damage
- Completed-operations aggregate limit
Commercial Property & Equipment
Commercial property covers the physical assets that run your coating business — your building or build-out, spray rigs and proportioners, compressors, booths, materials, and tools — against fire, theft, vandalism, and more, including lost income if you have to shut down.
- Building & tenant build-out / booth
- Proportioners, hoses & spray guns
- Compressors, ventilation & lifts
- Coating materials & drum stock
Pollution Liability Insurance
Spray-applied coatings use isocyanates and solvents that create a real pollution exposure — overspray, fumes, and spills. Pollution liability covers the bodily injury, property damage, and cleanup costs that standard general liability excludes.
- Isocyanate & fume bodily injury
- Overspray property damage
- Solvent & coating spill cleanup
- Mobile / on-site pollution conditions
Workers Compensation Insurance
Workers comp is mandatory in nearly every state from your first employee. In a coating shop it's essential — it pays medical costs and lost wages when a technician is injured by chemicals, equipment, lifting, or respiratory exposure, and shields you from injury lawsuits.
- Medical expense coverage
- Lost wage replacement
- Chemical & respiratory injury claims
- Equipment & material-handling injuries
Commercial Auto Insurance
Commercial auto covers the vehicles your coating business owns, leases, or uses — mobile spray rigs, service trucks, and company vehicles — for liability, physical damage, and the equipment they carry on the road.
- Auto liability (bodily injury & property)
- Collision & comprehensive
- Mobile spray-rig vehicles
- Hired & non-owned auto
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits beyond what your underlying general liability, garagekeepers, commercial auto, and employer's liability provide — important protection when a serious claim exceeds your primary limits.
- Excess general liability limits
- Excess garagekeepers limits
- Excess commercial auto limits
- Excess employer's liability
Ready to Protect Your Shop?
Get a comprehensive bedliner shop insurance quote in minutes. Same-day binding, same-day certificates. Over 20 years protecting American businesses.