Comply with state laws
Avoid fines
Protect your employees
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.
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.
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.
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
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
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
...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- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
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.
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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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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