(888) 900 0205Auto Dealers Workers Compensation Insurance
Auto dealers workers compensation insurance helps protect your business by covering injuries or illnesses employees may experience while working. Whether it's a mechanic who gets injured working on a car or a salesperson who slips on the showroom floor, workers comp can help cover medical expenses and other costs related to the incident.
Workers Comp Coverage
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Medical Expenses: Covers medical costs for work-related injuries (e.g., mechanic injures hand while repairing a vehicle).
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Lost Wages: Provides a portion of lost wages for employees unable to work due to injury (e.g., salesperson injured lifting heavy inventory).
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Disability Benefits: Covers income loss from temporary or permanent disabilities caused by work injuries (e.g., technician with severe injury).
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Vocational Rehabilitation: Helps cover retraining costs if the employee cannot perform previous job duties (e.g., clerk injured lifting parts).
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Death Benefits: Provides financial support to dependents if an employee dies from a work-related injury (e.g., mechanic in fatal accident).
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Funeral Expenses: Covers the costs of burial or cremation services in the case of a work-related death.
Other Insurance
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Garage Liability Insurance: Protects the business from liability claims related to accidents, property damage, or injuries that happen on the premises or during business operations (e.g., customer slips in the showroom, test drive accidents).
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Garagekeepers Insurance: Covers vehicles that are in the dealership's care, custody, or control, such as customer cars being serviced or stored on the property.
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Dealer Open Lot Insurance: Provides coverage for damage to vehicles on the dealership lot caused by events like theft, vandalism, fire, or severe weather.
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Commercial Property Insurance: Protects the physical dealership location, including the building and its contents, from risks like fire, theft, or natural disasters.
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General Liability Insurance: Covers third-party bodily injury, property damage, and related legal costs (e.g., customer injury while visiting the dealership).
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Commercial Auto Insurance: Covers vehicles owned by the dealership that are used for business purposes, such as service trucks or vehicles driven by employees on dealership errands.