Workers' Comp Insurance for Auto Repair Businesses in California

Auto service / repair (NCCI 8380) is moderately-rated with claims driven by chemical burns, lifting, and pneumatic tool injuries. Body shops (9521) and tire shops have separate codes in California. The California workers' compensation market is governed by WCIRB, and the average rate statewide is approximately $1.45 per $100 of payroll.

California requirements for auto repair businesses

When required: Required for any employer with at least one employee — including roofing contractors with no employees other than the owner.

Sole proprietors: Sole proprietors with no employees are exempt unless in roofing (5552) — roofers must have coverage even with no employees.

Owner / officer exclusion: Corporate officers and LLC members may exclude themselves with Form 2570.

Auto Repair class codes used in California

Why auto repair workers' comp is tricky in California

Body shops have higher rates than mechanical repair due to paint exposure and heavier lifting. Lot attendants and parts staff should be split out to reduce blended rate.

Tips for California auto repair shops

• ✓ Body work vs mechanical = different codes
• ✓ Sales staff and parts counter can be split into lower-rated codes
• ✓ Lift safety training and proper PPE earn schedule credits

Auto Repair workers' comp in other states

Rates and requirements for auto repair shops vary widely by state. Compare California to other major markets:

Other industries in California

California workers' comp rates and requirements for other common industries: