Worker’s Compensation for Auto Shops

Worker’s Compensation for Auto Shops

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I used to live by an auto shop, and every morning as I left the house for work I got to see all the mechanics running around as they started their busy day. One would be putting a car up on a lift. Another was rolling used tires to their disposal container. A third would be finishing an oil change on one of the city’s police cruisers. They were experts in their field, but even the experts were at risk for injury. One morning, I looked out in time to see a car slip off its track and move off the lift and roll over a mechanic’s foot. Thankfully his injuries were minor, but he was off work for several weeks. This is one instance that highlights why worker’s compensation for an auto shop is an important issue that needs to be addressed by every auto shop owner.

Accidents and injuries are a part of life. We can use the newest and safest machines and we can follow workplace safety guidelines to the letter, but we are ultimately humans who are capable of making mistakes or simply being in the wrong place at the wrong time. When an accident happens and an injury occurs, worker’s compensation is what we use to make sure everyone is financially protected.

Worker’s compensation provides the finances needed to pay an injured auto shop worker’s medical bills, prescription costs, and even physical therapy expenses if they were injured on the job. Since an inability to work usually equals an inability to receive a paycheck, worker’s compensation can also provide a stipend to the injured worker. This stipend can be used to pay for general living expenses, and is usually equal to about two-thirds of the employee’s normal salary.

If you are an independent auto shop owner, you know how expensive it is to run a business, especially as it relates to providing benefits like health insurance or life insurance. Worker’s compensation is another expense to you, but it is not an optional expense in most cases. To legally operate any business, most states require that a worker’s compensation policy is purchased, regardless of how many employees work at the auto shop or whether they are full- or part-time workers. The money for this premium must be provided by you, the business owner. Employees cannot have wages withheld to cover premium costs.

Employees in any industry have the potential for a work-related injury, but the potential is much greater in a more physically demanding, hands-on job like the work that takes place in an auto shop. As any business owner will attest, having worker’s compensation insurance is quite an investment, but it provides invaluable peace of mind and adequate financial protection to you, each of your employees, and your shop in the event that an injury should occur. One potential source for a worker’s compensation policy is a private insurance agency, so schedule an appointment with your agent today to discuss worker’s compensation for your auto shop.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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If You Are Serious About Saving Money While Building A Long Term Business Relationship Please Request A Quote And We Will Be In Touch With Your Shortly!

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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If You Are Serious About Saving Money While Building A Long Term Business Relationship Please Request A Quote And We Will Be In Touch With Your Shortly!

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