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Workers Compensation Insurance for Automotive Body Repair Shops Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation Insurance program tailored for automotive body repair shops. With access to multiple markets and experienced underwriting, IPMG provides independent agents and brokers with a reliable solution to place Workers Compensation coverage for this high-risk industry. Ideal Accounts and Appetite This program is designed for a wide range of automotive body repair operations, including: Collision repair shops Auto body painting and refinishing businesses Frame alignment and structural repair facilities Start-up operations and small businesses If you have a client who is launching a new repair shop or an established business facing high experience modification rates, IPMG can help you find the right coverage fit. Coverage Highlights and Advantages IPMG’s program offers the flexibility and underwriting depth needed to protect employees in physically demanding and potentially hazardous work environments. Key features include: Minimum premium starting at $500 in most states Start-up businesses accepted Access to A- rated or better carriers Solutions for businesses with high experience modification ratings Competitive pricing across multiple markets Underwriting Notes and Submission Requirements To expedite the quoting process, please be prepared to provide the following: Completed Accord application with a clear description of operations Currently valued loss runs (if available) Current experience modification rating (if applicable) IPMG specializes in streamlining the underwriting process to help you secure fast, competitive quotes for your clients. Available Territories This Workers Compensation program is available in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC. All available markets are considered, giving you flexibility in placement options depending on state and carrier availability. Why Work With IPMG? As a wholesale broker with deep expertise in Workers Compensation, IPMG offers agents and brokers more than just access to markets — we provide service, support, and underwriting insight tailored to the automotive repair industry. Our responsive team is committed to helping you find the best coverage options at the most competitive premiums for your clients. If you’re looking for a reliable Workers Compensation market for automotive body repair risks — especially those with unique challenges — IPMG is your trusted partner. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for automotive body repair shops, including collision repair, painting, and structural work. Start-ups and businesses with high mod rates are also welcome. Are start-up auto repair shops eligible for coverage?Yes. IPMG accepts start-up operations and will work with agents to place new businesses that meet underwriting guidelines. What is the minimum premium for this program?The minimum premium starts at $500 in most states, depending on the specific risk and underwriting details. What carriers does IPMG use for this Workers Compensation program?IPMG works with a variety of A- rated or better carriers. Market availability may vary by state and class of business. What documents are needed to submit a quote request?Required documents include a completed Accord application with operations description, currently valued loss runs, and the current experience mod rating if applicable. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a focused General Liability Insurance program built for welding contractors and small to medium-sized welding shops. Whether your client is a solo welder, runs a small crew, or manages a growing shop, this program addresses the specific liabilities tied to welding work — from on-site injuries and third-party property damage to equipment exposures and completed operations risks. Through our partnership with Empire Underwriters and access to an “A”-rated carrier panel, Novatae provides agents with responsive underwriting, tailored coverage options, and the market flexibility needed to place challenging welding risks. Submit welding contractor accounts to Novatae and leverage our underwriting depth and carrier relationships to get deals placed faster. Program Overview This General Liability program is designed for welding contractors working on residential and commercial construction projects. We focus on accounts with annual payrolls up to $1,000,000 and provide protection for common welding exposures, including third-party bodily injury, property damage, and completed operations liability. Target Accounts Ideal insureds include: Independent welders and small welding shops Contractors performing work on new residential or commercial construction (including single-family homes) Repair, remodel, and service welding contractors You might have a client who performs steel frame welding for home additions, or a mobile welder who services commercial properties — these are the types of accounts that fit well in this program. Ineligible Risks New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Projects involving structures over three stories (some exceptions may apply) Coverage Features Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Coverage for Prior Projects (with limitations) Submission Requirements Completed ACORD applications Currently valued loss runs (3–5 years) Supplemental application Project-specific pollution application (if applicable) Minimum Premium and Availability Minimum premium for the program starts at $1,500. The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. We place business through both admitted and non-admitted markets, with carrier ratings available up to A-XV to give you broader placement options. Why Work With Novatae Risk Group? As a wholesale broker specializing in niche construction and contractor programs, Novatae Risk Group offers underwriting expertise, targeted appetite, and strong carrier access for welding risks. Our team works with agents to evaluate exposures quickly, advise on risk mitigation, and secure tailored General Liability solutions — especially for accounts that can be difficult to place in standard markets. Do you need a General Liability quote for a Welding Contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this welding insurance program?This program is ideal for small to medium-sized welding contractors with less than $1 million in annual payroll who work on residential or commercial construction projects, including repairs and remodels. Are there any types of welding projects that are excluded?Yes. New construction of condominiums, townhouse developments, and projects involving buildings over three stories are generally ineligible, though underwriters may consider exceptions on a case-by-case basis. What states is this program available in?The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. What coverages are included in the welding contractor insurance package?Key coverages include General Liability with options for Blanket Additional Insured, Waiver of Subrogation, Per Project Aggregate limits, and limited cover for subsidence and prior projects. What is the minimum premium for this program?The program's minimum premium starts at $1,500 for eligible welding contractor accounts. Need help placing an account? Connect with a market specialist.