Workers compensation is a prominent coverage within a comprehensive auto repair shop insurance program, and with good reason. Not only is it illegal for employers to go without this important coverage, there are so many opportunities for employees to get injured as a result of an accident or injury on the floor of an auto repair shop, being covered for such an event just makes good business sense. After all, workers compensation insurance is designed to protect workers and their families from the economic hardship that would result from injury or illness caused by the work environmentbut in the process, it protects employers, too, who would otherwise have to pay all of the costs arising from an injured or ill workers care (as well as fines and penalties for not having the coverage, and the cost of any lawsuit and damages that the worker might file against the auto repair shop).

The best way to go about selection of a quality workers compensation insurance provider is to work with a professional insurance agent who is experienced in this area. An agent can do far more than just arrange for the coveragehe or she can perform a site analysis of the garage to visually inspect the effectiveness of any workplace safety measures that are already in place, and observe how and whether employees are actually following those measures. The agent can also review the employers experience modification worksheet, loss-sensitive rating adjustments, and other related documentation to pinpoint where corrections or improvements could be made.

A partner in protecting the business

An insurance agent becomes a trusted partner who is as interested in maintaining a safe work environment as the employer is. The agent can help the shop with the following and much more:

Establishing procedures and policies that help ensure that all injuries and accidents are reported and investigated immediately

Encouraging employees to take an active role in maintaining a 100% safety record

Reviewing the shops accident history to determine whether any patterns or suspicious behaviors exist

Communicate the workplace safety goals to supervisors and managers so they can take a proactive approach to preventing injuries on the job

Talk to a professional

A great garage that consumers can trust to fix their cars knowledgeably and affordably is a vital contributor to the community; make sure to have the insurance programs in place that will enable the shop to keep on wrenching. To learn more about how workers compensation coverage is a key part of an auto repair shop insurance program and take control of the factors that drive workers compensation premium costs, consult a professional insurance agent today.