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Workers' Comp Insurance for Auto Repair Businesses in Delaware

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 Delaware. The Delaware workers' compensation market is governed by DCRB, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Auto Repair rate in DE
$4.50
per $100 payroll
$100K payroll → annual
$4,502
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for auto repair businesses

When required: Required for any employer with one or more employees.

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

Owner / officer exclusion: Officers/LLC members may be excluded with rejection form.

Auto Repair class codes used in Delaware

8380 Automobile Service or Repair Center & Drivers
$2.53-$6.95
DE typical rate
8391 Automobile Dealer & Drivers — All Other Employees
$2.27-$6.32
DE typical rate
9521 Auto Body Repair — Painting & Refinishing
$3.16-$8.21
DE typical rate
8385 Automobile Garages — Full Service Parking & Drivers
$1.52-$5.05
DE typical rate

Why auto repair workers' comp is tricky in Delaware

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 Delaware 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

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Auto Repair workers' comp in other states

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

Auto Repair in California $1.45 Auto Repair in Texas $1.04 Auto Repair in Florida $1.42 Auto Repair in New York $1.41 Auto Repair in Pennsylvania $1.27 Auto Repair in Illinois $1.66 Auto Repair in Ohio $0.74 Auto Repair in Georgia $1.06

Other industries in Delaware

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

Construction in DE 9 class codes Roofing in DE 1 class code Plumbing in DE 3 class codes Electrical in DE 3 class codes HVAC in DE 2 class codes Painting in DE 3 class codes Landscaping in DE 3 class codes Restaurants in DE 4 class codes

More Delaware workers' comp resources