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Auto service shops encounter a wide range of on-the-job risks — from acute employee injuries in the shop to chronic exposures from chemicals and heavy machinery. Novatae Risk Group offers a dedicated Auto Service Shop Workers Compensation Insurance program through Empire Underwriters to help agents place dependable workers compensation coverage for these specialized businesses across multiple states. This program is backed by an “A” rated carrier, providing competitive pricing and consistent claims handling. With a streamlined quoting process and a responsive underwriting team, Novatae helps you move quickly on auto service accounts and support your clients with confidence. Ideal Accounts and Appetite This program is focused on retail-based auto service operations, including: Auto repair shops Tire dealers and installers Brake and muffler shops Transmission and engine specialists Best-fit accounts generally have stable loss histories, documented safety programs, and routine employee training. Accounts with large, recent losses, significant payroll concentrated in high-exposure classifications, or limited loss documentation may require additional underwriting review or be referred to alternative markets. Coverage Highlights and Advantages Available across the multi-state territory listed below Minimum premium starts at $7,500 Fast quote turnaround when you provide a complete submission 10% commission for appointed agents Direct access to experienced brokers and underwriters Whether you’re placing a single-location repair shop or a small regional chain, this program is structured to offer flexible workers compensation solutions tailored to auto service operations. Underwriting Requirements To obtain a competitive quote, provide a complete submission that includes: ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses Territories and Availability Workers compensation coverage is available in the following states: 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, and WV. Novatae will consider placements across all available markets to match each client’s risk profile with the right carrier solution. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides specialty market access and underwriting expertise that help agents write and retain more workers compensation business. Our partnership with Empire Underwriters combines niche underwriting focus with responsive service — designed for the unique exposures of auto service operations. Contact us at 800-758-8113 to speak with our brokers about Auto Service Workers Compensation accounts. Need a Workers Compensation quote for an auto service shop client? Email [email protected] with submission details or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for retail auto service shops such as brake, tire, transmission, and general repair businesses that maintain a solid safety record and established operations. Which states is the program available in?Coverage is available in more than two dozen states, including CA, FL, TX, NY, and PA. Check the Territories section above or contact us to confirm availability for a specific state. What are the submission requirements?Provide an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses for the quickest review. What is the minimum premium for this program?Minimum premiums start at $7,500, though the final minimum can vary by state, class codes, and underwriting factors. How quickly can I receive a quote?Quotes are typically returned quickly when you submit a complete package. Complex accounts or incomplete submissions may take longer while underwriters request additional information. Need help placing an account? Connect with a market specialist.