Auto Body Shop Workers Compensation Insurance

Novatae Risk Group partners with Empire Underwriters to offer a specialty Auto Body Shop Workers Compensation Insurance program designed for independent agents and brokers. This program focuses on the unique operations and exposures of auto body and collision repair shops, delivering practical underwriting, competitive placement options, and complementary lines of coverage to help you fully protect your clients.

We work with an "A"-rated carrier panel and multiple markets (carriers vary) to provide flexible solutions and fast responses. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group can help you place accounts that may be challenging for standard carriers while also offering admitted options where available. In addition to workers compensation, the program can assist with General Liability, Commercial Auto, and other package needs to give a more complete placement for your auto body clients.

Contact our team at 800-758-8113 to discuss prospective accounts or to get a quick quote from an underwriter.

Overview of the Program

• Specialized Workers Compensation program for auto body, collision repair, and paint/body shops
• Underwriting tailored to shop size, payroll mix, and on-site operations (e.g., welding, frame repair)
• Placement options across admitted and non-admitted markets depending on state and account profile

Ideal Accounts and Appetite

• Small to mid-size independent auto body shops with standard shop operations and controlled loss history
• Shops performing mechanical repairs in addition to bodywork (appetite varies by exposure; disclose operations)
• Accounts seeking consolidated placement for WC and package lines (GL, commercial auto)
• Not a fit: large national chains with complex multi-state payrolls, shops with uncontrolled or undisclosed high-hazard operations or poor loss history

Coverage Highlights and Advantages

• Dedicated underwriting for auto body exposures to help achieve accurate classifications and competitive pricing
• Access to admitted and E&S markets through Novatae’s MGA/E&S placement capabilities
• Ability to package WC with General Liability and Commercial Auto for simplified servicing and broader client solutions
• Fast turnaround for quotes when a completed application and required documentation are provided

Underwriting Notes and Minimums

• Minimum premium: $7,500
• Submission requirements: Acord 130, three years of loss runs, supplemental questionnaire, and details on any large losses
• Respond quickly with complete submissions to speed quote delivery — incomplete files slow underwriting

Territories and Admitted Status

• Coverage available in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV
• Admitted status: All Available Markets — program places both admitted and non-admitted policies depending on state and account characteristics

Example accounts that fit

• You have a single-location collision repair shop with steady payroll, routine paint operations, and a clean three-year loss history — this is a strong fit for admitted or preferred E&S placement.
• You represent a busy mid-size shop that occasionally performs frame straightening and minor welding — with full disclosure and loss detail, Novatae can underwrite these risks and add liability and auto cover if needed.

Ready for a quote? Email [email protected] with the Acord 130, three years of loss runs, and the supplemental questionnaire, or call 800-758-8113 to speak to an underwriter immediately. Novatae Risk Group's team is available to review submissions, discuss appetite, and identify the best market fit for each account.