Workers’ Compensation Insurance Policy for Auto Repair Shops in Florida

If you own an auto repair shop in Florida, you might be wondering whether or not you need to get Workers’ Compensation insurance. The answer? Most likely.

When auto repair shops employ four or more mechanics or other workers in Florida, they must get Workers’ Compensation insurance for all necessary employees. When determining the cost of coverage, Workers’ Compensation insurance carriers typically consider an auto repair shop’s payroll, industry, and history of workplace accidents, among other things. Even if you are not required to get Workers’ Compensation insurance for the employees of your auto repair shop in Florida, you should in order to protect your company in case of a workplace accident. To find affordable and flexible coverage in Florida, auto repair shops can contact our Workers’ Compensation insurance brokers.

If you need Workers’ Compensation insurance for your auto repair shop in Florida, our brokers can help. To learn more about the Workers’ Compensation insurance brokers at NPN Brokers, call today at (561) 990-3022.

Florida’s Workers’ Comp Insurance Requirements for Auto Repair Shops

Most auto repair shops in Florida are required to get Workers’ Compensation insurance. Generally, the number of workers employed by an auto repair shop in Florida will dictate its Workers’ Compensation insurance liability.

Any business in Florida not part of the construction industry and employing four or more workers must get Workers’ Compensation insurance. That includes auto repair shops. Though working in an auto repair shop requires the use of heavy machinery and dangerous tools, this line of work is not considered part of the construction industry. Because of that, payroll is the sole factor that determines whether or not an auto repair shop in Florida needs Workers’ Compensation insurance.

This rule applies to auto repair shops with part-time or full-time employees. Suppose you own an auto repair shop and employ four or more workers in any capacity. In that case, you will need comprehensive insurance in Florida. To get it, you can contact our Workers’ Compensation insurance brokers.

Pricing Workers’ Comp Insurance for Auto Repair Shops in Florida

The cost of Workers’ Compensation insurance for auto repair shops in Florida varies. Typically, the cost of coverage is determined by payroll, industry, and other risk factors. Our brokers can assess your auto repair shop’s information and history to estimate quotes for Workers’ Compensation insurance in Florida.

Several factors go into pricing Workers’ Compensation insurance policies in Florida. Often, carriers look at a company’s industry and whether it is high-risk. Because auto repair shops require workers to engage with heavy machinery daily, they might be considered high-risk by certain Workers’ Compensation insurance carriers.

Other factors, such as payroll, help determine cost. The more mechanics you employ, the more likely there is to be a workplace accident. An auto repair shop’s history of workplace injuries might indicate an elevated risk to carriers, increasing the price of Workers’ Compensation insurance in Florida.

All that said, our brokers have relationships with Workers’ Compensation insurance carriers that provide flexible coverage, even to auto repair shops that are considered high-risk. To get a transparent quote quickly for your auto repair shop in Florida, reach out to our Workers’ Compensation insurance brokers.

Reasons Why Auto Repair Shops in Florida Should Get Workers’ Comp Insurance

Even if your auto repair shop is not required to get Workers’ Compensation insurance in Florida because of its payroll numbers, it should. Workplace injuries are common among car mechanics, and Workers’ Compensation insurance can protect your business from liability for an employee’s injuries.

It is true that not all auto repair shops are mandated to get Workers’ Compensation insurance in Florida. But that does not mean they should remain uncovered. Workers’ Compensation insurance protects employers from financial liability for workplace accidents. Even with the necessary training and safety measures, workplace injuries might happen in auto repair shops in Florida.

When you get coverage from our Workers’ Compensation insurance brokers, you can avoid paying for an injured mechanic’s damages, as filing a Workers’ Compensation insurance claim is typically employees’ sole method of recovery in Florida, provided they are covered.

If you are required to have Workers’ Compensation insurance in Florida because you employ four or more workers at your auto repair shop and do not get the necessary coverage, you may face steep penalties. In addition to other consequences, Florida imposes a financial penalty of up to twice the amount an employer should have paid in Workers’ Compensation insurance premiums for any time over the past two years they were without the necessary insurance.

Finding Affordable Workers’ Comp Insurance for Your Florida Auto Repair Shop

When working in a high-risk environment like an auto repair shop, employers in Florida might think finding affordable insurance is impossible. That is not the case when they contact our experienced Workers’ Compensation insurance brokers.

While mechanics in auto repair shops might be at a higher risk of sustaining workplace injuries, companies can still find affordable Workers’ Compensation insurance with help from our brokers in Florida. Our team of skilled brokers has relationships with Workers’ Compensation insurance carriers that do not require contracts, audits, or deposits, providing auto repair shops with considerable flexibility regarding their policies.

Depending on your payroll changes, you may also benefit from getting pay-as-you-go Workers’ Compensation insurance in Florida. Auto body shops might see changes in payroll regularly as mechanics come and go. To reduce spending on premiums, auto repair shops can get pay-as-you-go coverage from our brokers. This enables you to only pay for coverage for mechanics and workers you currently employ on a monthly basis instead of basing premiums on broad annual estimates.

Call NPN Brokers to Get Workers’ Comp Insurance for Your Auto Repair Shop in Florida

Our brokers can help you get comprehensive and affordable Workers’ Compensation insurance for your auto repair shop in Florida. To learn more about the Workers’ Compensation insurance brokers at NPN Brokers, call today at (561) 990-3022.