The automobile body repair business is changing quickly.  This industry has seen rather slow and evolved changes over the past 30 years or so but recently the pace of change has accelerated.  These changes are shrinking your marketplace of clients as well as constricting how you perform your work.  Staying ahead of these changes should give you a strong edge over your competition and help to insure that you remain in business for years to come.

One of the biggest systemic changes to affect body repair shop owners is the shrinking customer base.  For instance, the high expense of replacing air bags in wrecked cars, combined with the greater availability of less expensive vehicles means that many wrecked cars are now considered a total loss by the insurance companies and as such are not repaired. 

In addition, there are changes taking place in the auto body repair industry that drive the way that you operate.  There are both environmental and safety issues that will force body shop owners to invest in new equipment and spray booths.  Each step forward requires that you carefully evaluate the costs of improvements against future income.

Recent changes to the International Fire Code and the National Fire Protection Agency (NFPA) codes that the vast majority of states and local jurisdictions use now mandate that spray paint booths and mixing rooms have automatic fire suppression systems. This has been a substantial change, resulting in greater protection of spray painting operations, but it increases the cost of the spray booth system. Existing manufactured booths can often be retrofitted with automatic suppression systems, but even that expense can be high.  These systems fall squarely in the realm of life safety of those who must work in and around the spray painting operations, where explosive fires are rare but very severe.

The U.S. Environmental Protection Agency has made a new rule, National Emission Standards for Hazardous Air Pollutants (NESHAP) (Subpart HHHHHH), that mandates by January 10, 2011, those that engage in spray applications to motor vehicles must comply.  These standards also mandate a spray booth that contains and filters the emissions from spray operations, as well as spray guns that comply and training to the operators of the equipment.  The point of this regulation is to protect the environment, but it does mandate the use of an approved spray paint booth.  A summary of these regulations may be found on the Internet at http://www.epa.gov/ttn/atw/area/paint_stripb.pdf and http://www.epa.gov/ttn/atw/area/autobodybs.doc.

All of these choices will also drive your insurance costs.  If you take the time to keep your spray booth up to date and protect both your environment and your employees, then you will be able to qualify for body shop insurance programs that will offer you the best rates and wider protection.  Over time, these changes will begin to pay for themselves in reduced insurance costs.

At Clinard Insurance Group, in Winston Salem, NC, we want all of our clients to be informed insurance consumers.  We specialize in helping automotive repair and body shops all across North Carolina and South Carolina with their insurance needs.  If you need help with your garage insurance, your workers compensation insurance or any other insurance needs for your auto repair or body shop, please call us, toll free at 877-687-7557 or visit us on the web at NC Garage Insurance Helper.

If you own a plumbing company then more than likely you travel to and from jobs in a company owned vehicle.  Putting your truck in the company name is most often done for tax reasons.  But have you evaluated the insurance reasons for doing so?  If so, did you remember to insure the vehicles that you don’t own?  Failing to do so could cost you your business.  But the good news is that the solution is cheap and easy.

Ok, so you have your trucks insured on a commercial auto insurance policy.  Hopefully you spent some time with your agent and you set up limits that are high enough to protect your company from a catastrophic loss.  But there is one detail to consider when setting up the business auto part of your plumbing insurance program.    It’s pretty simple really.  You can be held liable for accidents caused by vehicles that you don’t own.  The easy example is a vehicle that you rent in the name of your company, or with a company credit card.  But while that may be a rare event, consider that when you send an employee out on a company errand and they take their own vehicle, then your company can be held liable for damages to a third party caused by your employee on that errand.  So how do you take care of this exposure to make sure that your plumbing company is protected? 

Simply add hired and non-owned liability coverage to your business auto insurance business auto policy.  The coverage is very inexpensive, rarely costing more than $150 a year.  You may already have this coverage on your policy.  To check, simply pull out your commercial auto policy declarations sheet and look at the symbol showing beside the liability limit.  If the symbol is a 1, then you have liability coverage for any auto.

At Clinard Insurance Group, in Winston Salem, NC, plumbers are our specialty.  We want all of our clients to be informed insurance consumers.  If you need any help with your policy, your general liability insurance policy, or your workers compensation insurance policy, please visit us on the web at www.LowRatesForPlumbers.com or call us toll free, at 877-687-7557.