Workers' Comp for Auto Shops

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Why do auto shop workers need workers' comp insurance?

Auto shop workers, mechanics, and car wash workers may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for auto-work-related injuries.

 

Not only is workers’ comp coverage legally required for almost all auto shop businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining mechanics and auto workers, and replacing or repairing damaged equipment.

 

The most common injuries experienced by employees working in auto shops and car washes are:

 

Overexertion

– Repetitive stress injuries

– Slipping, tripping, falls

– Chemical burns

 

Learn more about how workers’ compensation insurance can help protect auto shop workers and their employers.

What do small business owners say about Pie?

Over 80% of small businesses overpay for workers' comp coverage.

What does workers' compensation insurance cover?

Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for auto shop and car wash workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the mechanic or auto worker is killed in a work-related incident.

 

In addition to helping auto shop employees and their families, workers’ compensation insurance can also help protect auto shop business owners. Workers’ compensation helps protect auto businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if an auto shop worker is harmed while performing work duties.

 

Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, auto shop worker injuries must:

 

  • have happened to an auto shop employee (not a vendor or independent contractor),

  • be the result of an auto workplace injury or illness during employment, and

  • cause impairment and/or lost wages.

What are relevant types of class codes?

When you’re ready to start your 3-minute quote, you’ll need to know your auto shop or car wash business’s class code.

 

A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.

 

There are many different workers’ comp class codes within the auto industry. Below are a few of the most common class codes in the industry.

811192 – Car washes

811191 – Automotive oil change and lubrication shops

8111 – Automotive repair and maintenance

81119 – Other automotive repair and maintenance