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Workers' Compensation Insurance for Auto Shops

Policies for auto repair shops, car dealers and service centers

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Why do Auto Shops need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

Protection from lawsuits

...'cause they can get hurt

Accidents happen. Having workers’ compensation insurance for automotive businesses can provide peace of mind in the event of an injured worker.

Auto shop workers’ comp covers both the employer and the injured worker in the event of an incident. Like all types of insurance, mechanics compensation acts as a safety net in case of an accident. This can cover lost wages, medical expenses and even legal fees.

  Common Mechanic & Auto Worker injuries

  • Sprains, strains and tears
  • Eye injuries
  • Chemical burns and lacerations
  • Slips, trips and falls

Common types of Mechanic & Auto Dealer workers we can insure

Automobile Body Shop Insurance

Automobile Body Shop

Automobile Rental and Salesperson Insurance

Automobile Rental and Salesperson

Automobile Towing & Drivers Insurance

Automobile Towing & Drivers

Painting: Automobile or Carriage Bodies Insurance

Painting: Automobile or Carriage Bodies

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Don't see your business classification?
We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Mechanic & Auto Dealer Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Auto Shops cost?

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What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Auto Shops

7225 workers’ comp code - Automobile Towing & Drivers

8002 workers’ comp code - Automobile Rental Co.

8046 workers’ comp code - Store: Automobile Parts & Accessories

8380 workers’ comp code - Automobile Service or Repair Center

8393 workers’ comp code - Automobile Body Shop

8748 workers’ comp code - Automobile Salespersons

9505 workers’ comp code - Painting: Automobile or Carriage Bodies

9516 workers’ comp code - Boat & Auto - Electronic Equipment Installation

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for Auto Shops today!

Finding reasonable workers comp insurance for auto dealers & mechanics doesn’t have to be impossible. Contact us today for your instant quote.

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Helpful tips to save money

Choosing auto shop workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

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Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

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Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Mechanic & Auto Dealer Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Mechanic & Auto Dealer Workers’ Compensation Audit Checklist can help.

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FAQ's on Workers' Comp for Auto Shops

How quickly can I get my certificate of insurance?

Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Do I need a separate workers comp policy for the roadside assistance and towing services that my auto body shop / auto repair shop offers?

You may not need a separate policy but it is super important that we’re aware that such services are offered.

State laws on Workers' Comp for Auto Shops

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Auto Shops?

Yes, we can help with that too!

Learn more about Mechanic & Auto Dealer Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Get Workers’ Compensation for Auto Dealers today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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