A good mate of mine has a smash shop in WA employing approx 16 blokes and they are flying. The insurance is bread and butter but they do creamy bumper jobs and small volumes of private work. They were 'at risk' too but have already been through the hardest part i think. Now they are the ones that re-do all the rubbish that these cut prices insurance shops like Gemini and Capital smart do. According to my mate its come full circle. The insurers are crawling back as they can't be stuffed taking a chance on the shitty shops and have unhappy customers... too many headaches. They do it right once.