Every business has specific risks that change their insurance needs, and while there are some standards across similar businesses within an industry, it is important to find the coverage that is specialized for the specific risks each business faces. When it comes to auto repair shop workers compensation, the coverage should protect against common workplace-related injuries in this setting.
Auto repair shop technicians spend their days working in and around complex vehicles, fixing both the inside components and outside pieces of broken cars, trucks, and vans. This kind of work can pose risks that are different from other industries and workplaces.
For example, this is a workplace where operating heavy machinery is not uncommon, and operating it incorrectly or having faulty equipment can contribute to injury. Mechanics also spend a lot of their time underneath vehicles, a dangerous place if something goes wrong. Employees in an auto repair shop are also likely to be lifting, pulling, and pushing heavy pieces of cars, engines, and equipment around the shop all day, increasing the likelihood of getting a sprain or strain while on the job.
The right auto repair shop workers compensation insurance should provide benefits like coverage for medical expenses, wage replacement, return-to-work programs, and loss management for the business. These may be included in a comprehensive plan, or an insurance agent may be able to build a custom plan to meet these needs.
A good insurance agent will know what kinds of policies are out there, and how to find an auto repair shop workers compensation policy that fits the needs of the shop and its owners as well as the employees.