Auto Workers Compensation

Working on trucks and cars takes both skills and talent!

Auto service garages and repair shops include auto parts stores, general automobile repair workshops, specialty repair shops and online/mobile repair operations. While each shop specializes in different services, they all share a common need: reliable Auto Workers Compensation coverage.

As a wholesale partner, Keating offers the Auto Workers Compensation program to help you place coverage for shops with staff who handle heavy parts, lifts, tools and vehicles. A strong policy should cover medical care, rehabilitation and wage replacement while an injured employee recovers — and our markets can provide those core protections.

Your client will need to make sure that their policy will be able to cover medical care costs, rehabilitation and can replace the lost wages until their employee returns.

Keating can write Auto Workers Compensation for service and repair shops through several admitted carriers and markets. We can place accounts with exposures related to private passenger and commercial vehicles. Typical services we handle include collision repair, heavy truck service, mechanical work, painting, tire sales and service, and parts sales. Towing that is incidental to the business (generally under 25% of operations) can usually be considered.

Keating’s underwriting focuses on practical, industry-aware evaluations. We work with carriers that understand the unique hazards in automotive shops — from slips and strains to more serious shop accidents — and structure Workers Compensation limits and benefits to address those exposures. Our team helps you assemble the submission so underwriters can evaluate the account quickly and accurately.

Ideal Accounts and Appetite

• Independent auto repair and collision shops with staffed mechanics
• Oil & lube, muffler and tire shops with standard service operations
• Shops performing mechanical, painting, welding or heavy truck service
• Operations with incidental towing under 25% of total business

Coverage Highlights and Advantages

• Access to multiple admitted carriers familiar with shop exposures
• Policies that cover medical, rehabilitation and wage replacement needs
• Underwriters experienced with auto-related classifications and payroll spreads
• Ability to place both small garage risks and larger shops with commercial vehicle exposure

Underwriting Notes and Minimum Premiums

Typical submission requirements include operations description, payroll by class code, loss runs, and details on any towing or mobile services. Minimum premium for placement is generally $2,000. Accounts with frequent large losses, significant non-automotive operations, or towing that exceeds incidental levels may be outside appetite.

Territories and Availability

Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Keating places this program through multiple admitted carriers across these states.

Why Work With Keating on Auto Workers Compensation

Keating combines industry-focused underwriting with market access to admitted carriers that understand auto repair exposures. We move quickly on clear submissions, and our team can advise on classification splits, payroll reporting and common loss control recommendations that improve placement outcomes.

Example scenarios

• You have a four-bay independent collision shop with six employees doing mechanical work, painting and limited towing under 20% — this is typically a strong fit for the program.
• You represent a multi-location tire and oil change operator with standardized procedures and modest payroll — Keating can help package the accounts for admitted carriers.

Contact Keating for details on submission requirements, appetite nuances, and carrier options so you can place the right Auto Workers Compensation coverage for your clients.