
Customer cars covered while they're yours.
Garage liability, garagekeepers coverage for customers' vehicles, property, paint and pollution exposure, and workers' comp for collision and paint shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · En español · How this page is researched
Garagekeepers is the coverage shops miss
General liability doesn't cover damage to customers' cars in your care. Garagekeepers coverage does, whether the damage happens in the booth, on the lot or on a test drive.
Body shops also carry fire risk from paint booths and pollution exposure from solvents. I place collision, paint and restoration shops with carriers that write the class.
- Garage liabilityInjuries and damage from your operations.
- GaragekeepersCustomers' vehicles in your care.
- PropertyBuilding, booths, frame machines and tools.
- Workers' compTechnicians and painters.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Shop: address, square feet and years in business.
- Work: collision, paint or restoration.
- Booths: number of paint booths.
- Customer cars: how many at once and their values.
- Payroll: technicians and office staff.
- History: current policies and loss runs.
The federal paint booth rule: 6H in every state
EPA's area-source rule for surface coating, 40 CFR part 63 subpart HHHHHH, covers autobody refinishing, meaning spray-applied coating of motor vehicles and mobile equipment. It even reaches an individual who spray-coats more than two vehicles a year, paid or not. Section 63.11173 sets the shop-floor rules:
- Filters. Every spray booth, prep station and mobile enclosure needs filters shown to capture at least 98 percent of overspray. Water-wash booths run and maintained to the manufacturer's specifications are excepted.
- Enclosure. Booths and prep stations used to refinish complete vehicles need a full roof, four complete walls or side curtains, and negative pressure that draws air in through any openings; a fully sealed booth with automatic pressure balancing may run up to 0.05 inches water gauge positive.
- Guns. HVLP, electrostatic, airless or air-assisted airless, or an equivalent EPA approves in writing.
- Gun cleaning. No atomized mist of solvent and paint outside a collecting container: hand cleaning, flushing without atomizing, or a fully enclosed gun washer.
- Painters. Training and certification within 180 days of hire, refresher training and recertification every five years, and a current list of everyone required to be trained. People who aren't certified may not spray.
State and local air agencies add their own permits and rules. When I put a body shop in front of carriers, the painter certification list goes in the file with the booth details.
Painters' lungs: Cal/OSHA booth and respirator rules
In California, Title 8 section 5153 sets the booth rules for spray coating. Mechanical ventilation runs while spraying and long enough afterward to exhaust flammable vapors from drying work, and it must keep those vapors under 20 percent of their lower explosive limit. Exhaust air can't be recirculated, make-up air should be supplied, no make-up air heater may sit in the booth, and downdraft booth doors stay closed while painting. A booth operator positioned downstream of the object being sprayed must wear a respirator, and that use must meet section 5144, which requires:
- A written respiratory protection program with worksite-specific procedures, run by a qualified program administrator.
- Respirators, training and medical evaluations at no cost to the employee.
- A medical evaluation before the employee is fit tested or required to use the respirator.
- For tight-fitting facepieces, a fit test before first use, whenever a different facepiece is used, and at least annually.
- Training before required use, and retraining annually.
Outside California, the rules vary by state. With a body shop's workers' compensation insurance submission I include the written program, because painters are the employees the underwriter reads about first.
Auto body shop insurance, answered
What is garagekeepers coverage?
It covers damage to customers' vehicles while they're in your care, custody or control, such as fire, theft or a technician's accident.
Does general liability cover a customer's car?
Usually not. That's what garagekeepers is for.
Is my paint booth a problem for carriers?
Booths are common in the class. Carriers look at booth construction, fire suppression and cleaning.
Do I need pollution coverage?
Many shops add it for paint, solvents and waste, which general liability often excludes.
Does a body shop need an EPA ID number in California?
If it generates hazardous waste, yes: 22 CCR 66262.18 bars a generator from storing, shipping or offering that waste for transport without a U.S. EPA ID number from the Department of Toxic Substances Control, applied for on EPA form 8700-12.
Does SCAQMD Rule 1151 apply outside Southern California?
No. Rule 1151 applies to coatings used within the South Coast AQMD. Autobody refinishing everywhere falls under federal 40 CFR part 63 subpart HHHHHH, which sets booth, spray gun and painter training rules.
Is a body shop responsible for work it sublets?
In California, yes. Business and Professions Code 9884.9(b) requires the written estimate to list any service someone other than the shop or its employees will do, bars that work without the customer's consent unless the customer can't reasonably be notified, and makes the shop responsible for it as if its own employees did it.
Do you offer auto body shop insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
- South Coast AQMD Rule 1151 (amended November 1, 2024)
- South Coast AQMD Rules 201, 203 and 206 (permit to construct, permit to operate, posting)
- 40 CFR 63.11173, surface coating requirements (Cornell LII)
- 40 CFR 63.11169, scope of subpart HHHHHH (Cornell LII)
- 22 CCR 66262.18, EPA identification numbers and re-notification (Cornell LII)
- 22 CCR 66262.16, small quantity generator conditions (Cornell LII)
- Cal/OSHA Title 8 section 5153, spray coating ventilation and PPE
- Cal/OSHA Title 8 section 5144, respiratory protection
- California Business and Professions Code 9884.9 (california.public.law)
- IRMI: The CGL Pollution Exclusion (Craig Stanovich, May 7, 2021)
Send the shop details. I'll shop it.
Your address, payroll and how many customer cars you hold are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
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