Mechanic Insurance | Workers' Compensation

We've developed the best insurance programs for auto repair shops.

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Workers' Comp Coverage for Auto Mechanics

We've been helping auto repair shop owners find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing auto repair shop coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Auto Repair Shop Insurance Companies

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for mechanics.

Accident Fund

The Hartford

The Hartford is a national insurance carrier with exceptional rates on auto repair, machines shops and auto body.

The Hartford

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for most mechanics.

Travelers Insurance

Employers Insurance

Employers offers excellent rates as well as loss control resources for all automotive workers' comp class codes.

Employers Insurance

Chubb

Chubb quotes all lines of business and has terrific rates for mechanics, parts stores and auto body repair.

Chubb Insurance

State Auto

State Auto has some excellent rates for repair shops, machine shops, dealers and auto recycling.

State Auto Insurance

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most auto repair businesses.

Great American Insurance Group

AmTrust

AmTrust Financial provides exceptional value for many business types within the auto repair shop classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.

The right quote makes a big difference in price.
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Workers' Compensation Codes Related to Auto Maintenance

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 8380 | Automotive Repair

Auto repair is a broad classification for worker' comp and typically applies to service stations and gas stations that perform repair or service work. This includes batteries, tires, oil changes, tune-ups, transmission work and more. This class also includes specialty shops such as muffler shops and brake repair. Code 8380 also applies to employees working for new and used auto dealers and includes mechanics, parts, and service writers. Additional types of auto shops associated with this code include tire dealers. car washes, glass replacement, and window tinting.

Class Code 8933 | Auto Body Repair Shop

Auto body repair is applicable for businesses engaged in the body repair of automobiles using metal, fiberglass, and plastics. This classification includes upholstering, painting, and dent repair. Paint only operations typically fall under class code 9505- Auto Painting.

Class Code 3821 | Automobile Recycling

The code for auto recycling and driver applies to salvage yard operations where wrecked vehicles are salvaged for parts. It includes the dismantling or crushing of all types of automobiles.

Class Code 3632 | Automotive Machine Shop

Auto machine shops cover separate operations whereas parts are manufactured, fabricated, or rebuild while not attached to any vehicle. This code includes the repair of engines, inboard/outboard motors, and other small engine repairs.

Alternative State Class Codes for Auto Repair:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code	State
8393 \| Auto Repair Shop	California
8397 \| Transmission Repair	California
815 \| Automotive Repair Service	Delaware / Pennsylvania
8395 \| Auto Repair	Michigan
8397 \| Auto Service and Repair	New Jersey
8391 \| Auto Maintenance Shop	HI / LA / MO / NY / OK / TX

Related: auto repair shop, auto body repair, brake and muffler shop, auto salvage, gas station, oil change and lube centers, mechanic, transmission repair, mobile glass repair, car detailing, mobile car wash, tire dealer.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Mechanic Insurance Coverage

A lot of small auto repair shop businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing mechanic insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Mechanic Insurance Expertise
More Markets for More Solutions We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.

Loss of income for employees unable to perform job duties
Medical expenses for employees injured on the job
Retraining expenses for employees unable to return
Permanent injury or disability for lasting injuries
Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

Injuries resulting from a violation of the law
Incidents resulting from employees' use fo drugs or alcohol
Injuries that did not occur in connection with the job
Clear company policy violations
Injuries that did not occur in connection with the job

Lower Your Auto Repair Shop Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for mechanics:

Workers' Compensation and Employers Liability

Mechanic Liability Insurance

Garagekeepers Insurance

Commercial and Personal Property

Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Auto Repair Shop Insurance Cost?

The average rate our customers pay for workers' compensation under the auto repair class code is around $1.29 per $100 of payroll. The average cost for a general liability insurance policy is about $950.00.

Workers' Comp Costs

Work Comp is priced based on payroll
Your state and EMR Rating will affect your cost
The type of repair work can modify rates
Premium discounts and policy credits may apply

General Liability Costs

GL rates are based on sales (rated per $1000)
Gross revenue may affect pricing
The type of repairs matters to underwriters
Prior clams and years in business affect pricing
SIC codes vary by industry

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How do I get started?

Here's what we need from you

Business details, locations, FEIN or SSN
Estimated annual payroll and job duties- class codes
Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

Our software matches you with top-rated carriers
Our agents apply and negotiate your lowest rates
We present and recommend your best options

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1-888-611-7467

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers Comp for Auto Repair Businesses.

A lot of agencies have access to carriers that write workers' comp coverage for mechanics. But we offer better programs with fast and easy underwriting. Buy workers' compensation insurance with the lowest rates today. Get better advice from trusted experts. You'll be glad you did.

Get comparison quotes for your automotive repair business today to see how much money we can save your business. Start online or give our Specialists a call today at 888-611-7467.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

Pay for workers comp insurance with a credit card.