The auto repair industry is wrought with peril, as the equipment and materials needed to maintain and fix vehicles are heavy-duty, dangerous and toxic. Workers in the auto industry experience more work-related injuries and illnesses than those in most other industries, which is why it is so important that, if you own an auto repair shop or are thinking about starting one, you invest in auto repair workers comp.

Though most state and federal laws require small business owners—both small and large—to carry workers compensation insurance, it is a type of coverage to which many proprietors give serious thought. However, not carrying proper coverage is a huge mistake. If an employee were to get injured on the job or suffer irreversible health consequences from harmful chemicals used during repairs, you might be held personally responsible. If an injured employee chose to file a third-party lawsuit against you for damages, you may be forced to pay for their medical bills, lost wages and rehabilitation in addition to damages for their pain and suffering, loss of enjoyment of life and other non-economic losses.

Choosing to carry auto repair workers comp is not only a smart business investment but also, it’s the responsible thing to do. Your employees work hard for you everyday—the least you can do is make sure that they’re financially comfortable should a work-related injury leave them down and out.