Workers Compensation Insurance
Workers compensation is required by law once you have employees. It covers medical care and lost wages for installers and shop staff injured on the job — cuts, burns, fume exposure, and strains — plus employer liability protection.
Workers Comp for Wrap & Graphics Shops
If you employ installers, designers, or shop staff, workers compensation is mandatory in nearly every state from your first employee. Wrap work carries real, everyday injury exposures: knife and blade cuts during trimming, heat-gun and infrared burns, repetitive-motion and back strains from squeegeeing and reaching across large panels, and fume or solvent exposure from adhesives and cleaning chemicals.
Workers comp pays an injured employee's medical bills and a portion of lost wages, and includes employer liability coverage that protects you if an injured worker sues. Wrap shops generally fall under favorable auto-service and light-manufacturing class codes, which keeps premiums reasonable compared with construction trades.
Keeping Your Rate Down
Accurate class coding matters — your installers and your office/design staff may carry different codes, and miscoding inflates premium. A clean claims record plus basic shop safety (proper ventilation, cut-resistant gloves, good lighting, blade discipline) keeps your experience modification favorable. We make sure your payroll is classified correctly so you're not overpaying.
What's Covered
Frequently Asked Questions
In most states, yes — workers comp is required from your first employee. Even one or two installers triggers the requirement. Owners and certain officers can sometimes exclude themselves, which we can structure where state law allows.
The common ones: blade cuts during trimming, heat-gun and infrared burns, back and repetitive-strain injuries from install work, and reactions to solvents or adhesives. Workers comp covers the medical treatment and lost wages for those on-the-job injuries.