Coverage Options
Vehicle Wrap & Graphics Installer Insurance
Every policy a wrap shop needs — in one place, from specialists who know the trade.
General Liability Insurance
General liability is the base policy for any wrap or graphics installer. It protects against third-party claims of bodily injury or property damage — a customer slipping in your shop, or damage you cause to property that isn't in your care.
Garagekeepers Insurance
Garagekeepers insurance covers damage to customers' vehicles while they're in your care for wrapping, graphics, or PPF work — the single most important coverage for a wrap installer, because general liability excludes it.
Tools & Equipment Insurance
Wrap shops run on expensive equipment — vinyl plotters/cutters, large-format printers, laminators, heat guns, and install tools. Tools & equipment (inland marine) coverage protects that gear against theft, damage, and loss on-site and in transit.
Professional Liability (Installation E&O)
Professional liability (errors & omissions) covers claims that your installation work was defective — a wrap that bubbles, lifts, or peels and must be redone. Standard GL excludes 'your work,' so E&O is what protects you when the workmanship itself is the claim.
Commercial Property Insurance
Commercial property insurance covers your shop — the building (if you own it), leasehold improvements, furniture and fixtures, and your inventory of wrap vinyl, PPF, laminate, and printed media — against fire, theft, vandalism, and other covered perils.
Workers Compensation Insurance
Workers compensation is required by law once you have employees. It covers medical care and lost wages for installers and shop staff injured on the job — cuts, burns, fume exposure, and strains — plus employer liability protection.
Commercial Umbrella Insurance
Commercial umbrella insurance extends your primary liability limits. For wrap shops with high-value vehicles in their care or large fleet contracts, an umbrella provides the higher limits a single serious claim — or a client contract — can demand.
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