Workers' Comp Insurance for Auto Repair Businesses in Colorado

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 Colorado. The Colorado workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.92 per $100 of payroll.

Colorado requirements for auto repair businesses

When required: Required for any employer with one or more employees, full or part-time.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Corporate officers may reject coverage by filing rejection of coverage form.

Auto Repair class codes used in Colorado

Why auto repair workers' comp is tricky in Colorado

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 Colorado 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 Colorado to other major markets:

Other industries in Colorado

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