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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

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 Mechanics & Auto Dealers 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?

What's the cost based on?

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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

Don't see your business classification?
We're here to help. Call or text 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 correctly
For 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!

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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.

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

Get Workers’ Compensation for Auto Dealers today!

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