Overview of the Program
The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently.
Ideal Accounts and Appetite
- Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations
- Mobile mechanics and service providers (including limited group transportation exposures)
- New ventures and insureds transitioning out of PEO arrangements
Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing.
Coverage Highlights and Advantages
- Products: Guaranteed cost and dividend plan options (FL dividend plans)
- Service: Online loss runs to speed underwriting and renewals
- Payment plans: Direct bill and monthly self-reporting with non-working deposit
- Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation
Underwriting Notes and Key Restrictions
- $2,000 minimum premium — no stated maximum
- New ventures eligible
- Group transportation allowed but limited to no more than five employees per vehicle
- Lapse in coverage must be referred to underwriting
- No maximum experience modifier required
- Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground
- 24-hour shift work exposure eligible only when it is the sole exposure
- PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement
- Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy
- Limited / Incidental / Cannot be governing state: CA, OK
Territories and Availability
This program is available through U.S. Risk in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission.
Why Work With U.S. Risk Insurance Group, Inc. on These Risks
U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster.
Underwriting Checklist — What to Submit
- Current loss runs (online loss runs accepted)
- Signed copy of PEO/client contract and amendment when applicable
- Details on any group transportation, shift work, height or underground exposures
- Information on lapses in coverage (refer to underwriting)