Auto repair shops combine physical labor, heavy machinery, chemical exposure, and tight workspaces into one environment. Workers comp insurance is essential for any shop with employees, and getting the right coverage at the right price requires understanding how your business is classified.
Common Injuries in Auto Repair
Back and shoulder injuries from lifting engines, transmissions, and wheels are among the most common claims. Burns from hot fluids and exhaust systems, cuts from sheet metal and tools, and chemical exposure from brake fluid, battery acid, and solvents also create consistent injury exposure. Slip-and-fall accidents on oil-covered floors round out the most frequent claim types.
Class Codes for Auto Repair
Auto repair shops are typically classified under codes specific to the type of work performed. General auto repair, body shop work, and specialty work like transmission or electrical repair may each carry their own code. Service writers and office staff working in the shop should be classified separately from technicians to avoid paying field-labor rates on lower-risk employees.
How a Clean Shop Reduces Your Premium
Safety practices directly impact your experience modifier over time. Clean floors, proper chemical storage, required use of personal protective equipment, and documented safety training all contribute to fewer claims and a lower EMR. Over multiple policy years, the premium savings from a good safety record can be substantial.
Get a Free Auto Repair Shop Workers Comp Quote
Comp Matters Inc. writes workers comp for auto repair shops across the East Coast. Call (631) 248-2500 for a free quote from multiple carriers.
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