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Florida Workers' Comp Insurance for Auto Shops

Policies for auto repair shops, car dealers and service centers

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Why do Auto Shops in Florida 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

Running an auto shop in Florida brings unique challenges. From lifting heavy equipment to handling sharp tools, mechanics face daily risks, and workers’ compensation insurance is essential to keep everyone protected.

Some insurers hesitate to cover businesses offering towing or large-vehicle repair due to higher risks, but Kickstand Insurance works with auto businesses that other companies have turned away. With reliable coverage, you can focus on your business, knowing your team and operations are in safe hands.

Common Auto Shop injuries

  • Sprains, strains, and tears – from repetitive motions under the hood or chassis and lifting heavy tools and equipment
  • Eye injuries – caused by working under cars and hoods without proper eye protection
  • Chemical burns and lacerations – from handling hazardous chemicals and flammable liquids in the shop
  • Slips, trips, and falls – from slick floors caused by oil changes, transmission flushes, and other fluid-related tasks

Workers' Comp for Auto Shops in Florida: Legal Requirements

Florida state map

Auto repair shops in Florida with four or more employees must carry workers' compensation insurance. Not meeting this requirement can lead to serious penalties, including stop-work orders and fines. Learn more about Florida Workers' Compensation Rules here.

Common types of Auto Shop workers we can insure in Florida

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 an active Auto Shop workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is  provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying  the medical bills.

What will Auto Shop Workers' Comp Insurance pay for?

  • Medical expenses
  • Rehab and therapy costs
  • A percentage of lost wages
  • Disability benefits
  • Funeral cost
workers' comp covers medical costs

How much does Workers' Comp Insurance
for Auto Shops in Florida cost per month?

The average workers' comp rate for auto shops in Florida is $1.53 per $100 of payroll, which comes to about $91 per month per employee. If your shop includes towing services, the rate increases to $4.90 per $100 of payroll.

Keep in mind, your exact rate may vary based on factors like payroll size and any previous claims. For a more detailed look at how workers' comp rates are calculated for auto shops, check out our guide: Workers' Comp Rates for Auto Shops in Florida.

charts and symbols for auto ahop insurance cost

What's the cost based on?

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

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 Florida Auto Shop

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.

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Auto Shop business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

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

Here’s how to save money:

classify your workers correctly

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.

don't underestimate your payroll

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

have a clear process to report claims

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. It can even help keep your costs down!

report every incident

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

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! Our Auto Shop 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 Auto Shop Workers’ Compensation Audit Checklist can help.

FAQ's on workers' comp

FAQ's on Workers' Comp for Auto Shops in Florida

Some employees are paid in cash. Are they protected?

Yes, cash-paid employees are still covered under workers' comp, but it's essential to keep accurate records of their pay. Make sure cash wages are included in your payroll projections.

I offer roadside assistance. Does my policy cover this?

Probably not. Roadside assistance often requires specific coverage, so make sure your agent and carrier know about these services to ensure you’re properly covered.

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for auto shop insurance quote surrounded by insurance icons

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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