Auto body shops aren’t without their risks, and that includes risks that directly involve your employees. They’re the ones who are working with the cars and spending a lot of time in the shop itself. And that’s why workers’ comp is one of the insurance coverages that auto body shops need to consider. But why is workers’ comp really necessary? Why do you as the owner if the auto shop need to go on the hunt for workers’ comp? We’ll explain four reasons that auto body shops and workers’ comp go hand in hand.
4 reasons to get workers’ comp insurance for your auto shop.
1. There are a lot of dangerous things in auto body shops.
As we mentioned above, there are a lot of dangerous things in an auto shop. There are toxic chemicals. There are welding tools. There are vehicle hoists and jacks that could fail. There are sharp objects that could cut someone. And of course, there’s the possibility of tripping. Your employees are in the line of fire, and accidents can happen in the blink of an eye. And if an employee gets hurt on the job – like if an employee slips, breaks an arm, and hits their head – who’s going to help pay their medical bills?
Well, that’s where workers’ compensation insurance comes in.
2. Workers’ comp insurance helps your employees if they get hurt on the job.
Workers’ comp insurance is there to help your employees if they get hurt on the job.
Here’s how it does that:
It helps pay for the employee’s medical bills.
Should an accident happen while an employee is on the job and they get hurt, workers’ comp helps pay the medical bills so that the employee gets the care they need. Hospital and medical bills are expensive, but workers’ comp means that your employee doesn’t have to cover those costs on their own. They’ll be able to get the care and treatment they need without having to worry about footing the bill.
Protect your auto shop from fires. Get a quick auto body shop insurance quote today.
It provides a portion of the employee’s lost wages.
If your employee, say, breaks their arm or has an accident, they won’t be able to work while they recover. They’ll need some time off so they can get better and get some rest. But they still have bills to pay, kids to feed, a mortgage…which is why workers’ comp provides a portion of their lost wages while they’re unable to work. That way they don’t have to worry or stress over paying their bills while they’re recovering from their injuries. Workers’ comp allows you as an employer to provide for your employees in the unfortunate event of a workplace accident.
Pro tip: Take steps to keep your employees safe by lowering your auto shop’s workers’ comp risk.
3. It’s the law.
Well, here’s a good reason for auto body shops to get workers’ comp insurance: you might be required to by law.
The states set their own requirements for carrying workers’ comp insurance; the requirement might be based on the number of employees you have. (For example, you may be required to have workers’ comp if you have three or more employees.)
Bottom line is to make sure you check out your state’s workers’ comp requirements and adhere to them. If you are required to have it, make sure you do. Insurance is important, of course, and it’s doubly so when the law mandates that you carry it.
And one other thing about auto body shops and workers’ comp…
4. Getting workers’ comp is easy when you work with our team.
You might be wondering how to get auto body shop insurance. Our team of insurance experts would be happy to help you get insurance for your business. We can help you find the insurance you need, and we strive to make insurance as easy as possible.
It’s as simple as this:
- You fill out our online form, call us, or message us to let us know you need insurance.
- We ask a few questions about your business so you get accurate insurance quotes.
- We shop your rates.
- We go over your auto body shop insurance options with you and you decide what coverage is right for you. Then we help you finalize your coverage.
- We’re here to help with any of your insurance needs or questions.
So, there you go – four reasons you need to consider workers’ comp for your auto shop. As we said, we can help you get auto shop insurance quotes. Just fill out our online form, call us, or LiveChat with us. We’re here to help.