Auto Repair Workers Compensation

Get more affordable workers compensation coverage for your auto shop or body shop.

Workers Compensation Insurance for Auto Repair

See if your business qualifies for one of our Target Auto Programs.

Workers compensation rates for the automotive industry vary drastically between insurance companies. Although a lot of carriers are eager to quote auto related coverage, its not uncommon to see a 15% - 20% rate difference for the same automotive class codes. We like to shop coverage for auto repair, sales, machinists, and service with all of our insurance partners so they have to compete to earn your insurance business.

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Auto Service/Auto Body Work Comp Insurance

Industry Classes Included in our Auto Service Programs

Class Codes
Brief Business Description of Operations we Cover
Auto Service and Repair Centers. This is a broad code and typically applies to service stations and gas stations that perform repair or service work. This includes batteries, tires, oil changes, tune-ups, transmission work, etc. This class also includes specialty shops such as muffler shops and brake repair. Code 8380 also applies to employees working for new and used auto dealers and includes mechanics, parts, and service writers. Additional types of auto shops associated with this code include tire dealers. car washes, glass replacement, and window tinting.
Auto Body Repair. This code is applicable for the body repair of automobiles using metal, fiberglass, and plastics. This classification includes upholstering and painting, and dent repair. Paint only operations typically fall under class code 9505- Auto Painting.
Auto Sales and Dealers. Applies to sales people employed by new and used care dealerships. This class also includes salespeople for boat and outboard engine dealerships. Not applicable to MA or TX.
Auto Sales or Service Agency- Service, Parts, and Drivers. Applies only in NJ.
Auto Parts Stores Including Drivers. This class applies to both retail and wholesale auto parts and accessory stores and delivery drivers. It also includes salvage yard employees who do not work in the yard. N/A in MN and TX.
Auto Recycling and Drivers. Applies to savage yard operations and includes dismantling of all types of automobiles. N/A in IN, MA, MN, and TX.
Auto Machine Shops. Applies top operations whereas parts are manufactured, fabricated, or rebuild while not attached to any vehicle. This code includes the repair of engines, inboard/outboard motors, and small engine repair.
There are numerous state exceptions and state specific applications of auto related class codes. Please contact a Workers Comp Specialists for detailed information regarding the application of auto related class codes to your business and state.
State Availability

All States except ND, OH, WA, and WY

Auto Repair Highlights

Pay As You Go Comp

A Rated Insurance Carriers

New Businesses Ventures

Deductible Plan Options

Lapses in Coverage Accepted

Great Payment Options

Motorcycles and Boats

Most auto related classification codes apply to motorcycles, ATV's, and boats in the same manner as applied to automobiles.

Top Carriers for Auto Service and Repair Coverage

The Hartford

Offers competitive rates nationwide and provides multi-line discounts when combined with liability, property, auto or BOP coverage.

AmTrust Insurance Company

A very good work comp solution for auto service and repair, gas stations, and used car dealers with prior claims or injuries.

Markel FirstComp

Offers quick and affordable quotes to new ventures and employers with good loss histories.

Accident Insurance

Low rates and great general liability coverage for auto repair, machine shops, and parts manufacturers.


Often offers the best price on certain auto service risks in most states.


National coverage and Specialized Business Owners Policy for auto repair shops.

Class Sub-Categories

Auto Service and Repair

Auto Body Shops

Oil and Lube

Brake and Muffler Shops

Auto Parts Store

Auto Salvage

Auto Dealers

Gas Stations

Auto Service Quotes

We offer other auto service programs with some of our other carriers depending on your state, type of business, and loss experience. Give us a call today to learn more or see if your business qualifies for lower cost coverage on workmans comp.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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