What it covers
Workers’ comp pays medical bills and a portion of lost wages when an employee is injured at work, and generally limits the employer’s liability for those injuries. For a repair shop — lifts, chemicals, heavy parts — it’s a core line.
It’s statutory and varies by state
Workers’ comp requirements are set by each state, not by the insurer. Whether it’s mandatory, and the specifics, depend on where your shop operates and how many employees you have. Which states this program writes is to be confirmed. See requirements by state.