...'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.
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.
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.
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
Finding reasonable workers comp insurance for auto dealers & mechanics doesn’t have to be impossible. Contact us today for your instant quote.
Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
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.
Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
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!
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.
Unlike other online insta-quote systems,
here your quote is reviewed by experts