What restoration shops do
Restoration shops rebuild and restore classic, antique, and collector vehicles — often combining metalwork and fabrication, paint, mechanical rebuilding, upholstery, and trim under one roof. Projects can run for months or years, and the vehicles are frequently rare, high-value, and effectively irreplaceable.
The exposures that come with it
The defining restoration exposure is high-value, long-custody risk: a six-figure classic sitting in your shop for a year is a serious garagekeepers concern, and the limit has to reflect the vehicle’s real value. That raises valuation questions — agreed value vs. actual cash value — that matter enormously if something happens. Because restoration combines paint, fabrication, and mechanical work, it also carries all of those exposures at once, including fire and completed-operations risk. Auto restoration is a listed appetite class.
Coverage that matters for restoration shops
Garagekeepers with limits that reflect the vehicles you hold, garage liability with completed operations, property for the shop and equipment, and workers’ comp. Coverage is general in nature and governed solely by the terms of the issued policy.