How to save 10% on workers’ compensation insurance

Auto body repair shops and auto mechanics face many on-the-job hazards, from chemical burns to slip and fall accidents. With such risks, the likelihood of injury increases. That’s why we reward safe planning and smart habits by offering ways to save on workers’ compensation insurance, without skimping on coverage quality.

To help you save money, we’ve partnered with an insurance carrier that specializes in workers’ comp for auto repair shops. Together, we offer a group dividend program for auto body shops and auto service technicians.

We are committed to making it as easy as possible for auto service professionals to save on workers’ compensation insurance. That’s why our dividend program offers auto repair shops and mechanics an up-front 5% discount on workers’ compensation policies and a group dividend for positive loss ratio results.

What is a workers’ comp insurance dividend program?

How you handle injuries is a key factor in determining the cost of your workers’ comp insurance. The best way to lower your rates and become eligible for discounts is to be careful when you’re on the job.

Dividend programs reward businesses who have had success controlling losses by paying them a dividend at the end of their policy period. Our program is different, because we offer a 5% up-front discount on your premium, as well.

Based on performance, you may be eligible for a cash dividend at the end of your term — and that’s in addition to your 5% discount. So, if there have been few to no claims within your group, you can get money back on your insurance premium.

Lose the drugs and save money on workers’ comp

Working in an auto body shop requires your full attention, which means making sure you and your service team are alert with steady hands. By instilling a drug free workplace program you can recieve an additional 5% discount.

If you’re looking to save on insurance outside — or in addition to — a dividend program, you may want to consider a drug-free credit. Essentially, if you institute a drug-free workplace program, you may receive premium discounts for up to four years.

What does a drug-free program require?

  • You must have a written statement regarding your policy against drug use in the workplace.
  • Employee education should be offered regarding alcohol and drug abuse.
  • You’ll need to note that any information obtained by testing will remain confidential.
  • It’s advised that assistance is made available through internal or external assistance programs, should an employee need help.

We love good safety plans because they help keep our customers out of harm’s way. And avoiding accidents isn’t only good for our clients’ wellbeing, it’s good for their bank accounts, too. That’s why these discounts are in place — to reward (and incentivize) our best policyholders.

Additional ways to save on workers’ comp insurance

If you go paperless with your billing, or pay for your annual premium in full upfront, you can avoid fees. Savings vary.

Already have workers’ comp? We can still save you money.

You have coverage, but do you have the best plan to fit your financial situation? Your insurance agent may not have taken the time to alert you to your eligible discounts, like scheduled credit, or even know about them at all.

Get a free estimate and see if we can save you money. You don’t need to wait until your renewal date.

Don’t want to switch providers because you think you’re getting a good deal?

Just because you have been a loyal customer, it doesn’t mean you’re benefiting from it financially — especially because workers’ comp rates vary between companies and states.

Get a quote with us, and we’ll help you find the workers’ comp discounts that are right for you and your business. That’s right, price cuts on our already competitive insurance rates.

If you’re an existing Pogo customer and have questions about discounts and deals, give us a call at (833) 298-3015.

Our workers’ compensation insurance offerings

Pogo has exclusive access to a very affordable workers’ comp program for small businesses. Three plans are available.

Solo X

Solo X is a minimum premium workers’ comp program for businesses with no employees, also known as a ghost policy. This plan provides a Certificate of Insurance, but excludes the owner from coverage — making it one of the most affordable workers’ compensation programs on the market.

Not only is Solo X less expensive than its competitors, it provides more coverage. With this plan, you’ll benefit from a bonus accident policy, which offers 24-hour accident coverage.

Need to get hired quickly? Solo X provides immediate coverage. Another great benefit of this program is that there are no mid-term audits, which saves you time, money, and headaches.

Solo I

Solo I is an affordable workers’ comp plan for operations with no employees. This program differs from Solo X, in that the business owner is included in coverage.

Solo I is unique because most insurance carriers will not provide an owner with coverage if they have no employees. With this program, not only do you get workers’ comp protection, you’re also eligible for an optional accident policy.

Another great benefit of Solo I is that there are no mid-term audits, which will save you quite a bit of hassle. Pay plans are available if you need them — but don’t worry, you won’t break the bank, because our rates are very competitive.


The Plus program is a flexible workers’ comp plan for businesses with employees. Owners have the option to include or exclude themselves from coverage, but employees will benefit from workers’ comp protection either way.

Access to increased limits of liability, waivers of subrogation, and an accident policy are all available. Plus also offers pay plans, if you are interested.

*Businesses using subcontractors or day labor are ineligible for Solo X, Solo I, and Plus.

Need workers’ compensation insurance for auto repair shops and mechanics?

Complete our free online workers’ comp quote in less than 10 minutes. We work with over 30 insurance carriers and compare rates to get you the best price available.

Simply select a quote for workers’ compensation, and we will pair you with your desired program.