WORKERS COMPENSATION
FOR DEALERS & GARAGES
Required by law in most states. Protects your employees — and your business — when a mechanic, salesperson, or lot attendant is injured on the job.
WHAT WORKERS COMP COVERS
- Medical treatment for work-related injuries and illnesses
- Lost wage replacement (typically 60–70% of gross wages) during recovery
- Permanent partial or total disability benefits
- Death benefits and funeral expenses for surviving family members
- Employer's liability for negligence claims (Coverage B)
- Vocational rehabilitation and retraining costs
COMMON EXCLUSIONS
- Injuries to independent contractors (separate coverage needed)
- Intentional self-inflicted injuries
- Injuries occurring outside the scope of employment
- Injuries to owners / sole proprietors (unless elected)
- Punitive damages in most states
- OSHA fines and penalties
WHY AUTO BUSINESSES FACE ELEVATED RISK
Mechanics & Technicians
Vehicle lifts, power tools, and heavy components create serious injury risk every day. Crush injuries, falls, and chemical exposure are among the most common claims.
Lot Attendants & Drivers
Moving vehicles on and off the lot, conducting test drives, and transporting cars between locations all carry collision and injury exposure.
Body Shop Workers
Paint fumes, grinding dust, and welding sparks create both acute injury and long-term occupational illness risk that workers comp is designed to cover.
Sales & Office Staff
Slip-and-falls on the showroom floor, parking lot injuries, and repetitive stress claims are common even for non-technical employees.
OPERATING WITHOUT WORKERS COMP IS ILLEGAL IN MOST STATES
Florida, Georgia, North Carolina, Texas, and most other states require workers compensation for any business with employees. Penalties for non-compliance include stop-work orders, fines up to $5,000 per day, and personal liability for the business owner for all employee injury costs.
Even if you only have one part-time employee, you may be required to carry coverage. We'll help you understand your state's specific requirements and get you compliant quickly.
EVERY DEALER WITH EMPLOYEES NEEDS WORKERS COMP
New & Used Car Dealers
Sales staff, lot attendants, finance managers, and detailers all require coverage.
Auto Repair Shops
Mechanics, service advisors, and parts counter staff face daily injury risk.
Body Shops
Painters, welders, and estimators work in environments with significant hazard exposure.
Towing Companies
Wrecker operators face some of the highest injury rates in the automotive industry.
Motorcycle & RV Dealers
Service technicians and sales staff require the same protections as auto dealers.
Auto Auctions
High-volume vehicle movement and large crowds create elevated premises injury risk.
FREQUENTLY ASKED QUESTIONS
PROTECT YOUR EMPLOYEES — GET COVERED TODAY
Workers compensation is required by law and protects both your employees and your business. We make it easy to get the right coverage at a competitive rate.