Workers' Comp Insurance for Mechanics and Auto Shops

Policies for auto repair shops, car dealers and service centers

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Why do Mechanics need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

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.

Mechanic 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 and strains: Lifting car parts or working in tight spaces often leads to strains in the back, shoulders, and arms.
Eye injuries: Working under vehicles exposes mechanics to falling debris, which can irritate or injure the eyes.
Chemical burns: Contact with car fluids like oil, coolant, or brake fluid can cause skin burns if handled without care.
Crush injuries: Heavy parts, like engines or tires, can slip or fall, leading to crushed fingers or hands.
Slips and falls: Oil and grease spills make the floor slippery, leading to falls that can injure knees, ankles, or backs.

Common types of Mechanic & Auto Dealer workers we can insure

Automobile Body Shop

Automobile Rental and Salesperson

Automobile Towing & Drivers

Painting: Automobile or Carriage Bodies

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 Shops workers' comp policy, they do not need to pay anything towards the bills.

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

How much does Workers' Comp Insurance
for Mechanics cost?

The average workers' compensation insurance for mechanics costs about $93 per month per employee, or $2.15 per $100 of payroll.

For more detailed information on how much workers' compensation insurance will cost your automotive business, read Workers’ Comp Costs for Mechanics 2025.

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

For more details on class codes, visit this detailed guide: Mechanic Workers’ Comp Codes.

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 866-338-8823.

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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:

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
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! Our 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.

FAQ's on Workers' Comp for Mechanics

How quickly can I get my certificate of insurance?

‍We usually issue certificates 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.

I sell used cars along with doing auto repairs. Is this covered in my policy?

Yes, selling used cars can be covered, but it needs to be listed in your policy. The class code for used car sales should appear on an "if any" basis. Always double-check with your agent to ensure that both your repair work and car sales are accurately covered.

State laws on Workers' Comp for Mechanics

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.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Mechanics?

Yes, we can help with that too!

Learn more about Mechanic & Auto Dealer Insurance

Mechanic Workers’ Comp Code: A Guide for Auto Shops

Workers’ Comp for Mechanic Cost 2025

workers’ comp coverage for auto employees

The truth about Workers’ Comp Insurance for Auto Businesses

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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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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