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.
General Liability for Vehicle Wrap Installers
General liability is the foundation of a wrap shop's insurance program. It responds to third-party claims for bodily injury and property damage arising from your premises and operations — a customer who slips on a wet shop floor, a delivery driver injured on your lot, or damage you accidentally cause to a neighbor's property.
GL is also what most landlords, commercial clients, and fleet accounts require before they'll do business with you. A certificate of insurance naming the client as additional insured is often a condition of winning a fleet-wrap contract, and we issue those certificates same-day.
The Critical Gap: Care, Custody & Control
Here's what every wrap installer must understand: standard general liability excludes damage to property in your care, custody, or control. That means GL will NOT pay when you damage a customer's vehicle while it's in your shop being wrapped — lifted paint on removal, a heat-gun burn, a scratched panel. That exposure is covered by garagekeepers insurance, a separate policy we write alongside your GL. GL handles everyone else's injuries and property; garagekeepers handles the customer's car.
What's Covered
Frequently Asked Questions
No. GL specifically excludes damage to property in your care, custody, or control — which is exactly what a customer's vehicle is while you wrap it. That gap is filled by garagekeepers insurance, which we write alongside your GL.
$1M per occurrence / $2M aggregate is the standard baseline. Fleet and commercial clients often require those limits plus additional-insured status. Larger operations add an umbrella to reach $2M+ where contracts demand it.