Workers' Comp Insurance for Auto Repair Businesses in Massachusetts

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 Massachusetts. The Massachusetts workers' compensation market is governed by WCRIBMA, and the average rate statewide is approximately $0.94 per $100 of payroll.

Massachusetts requirements for auto repair businesses

When required: Required for any employer with at least one employee, including part-time and family members.

Sole proprietors: Sole proprietors are exempt unless they elect; partners can be excluded.

Owner / officer exclusion: Officers may opt out; LLC members may exclude.

Auto Repair class codes used in Massachusetts

Why auto repair workers' comp is tricky in Massachusetts

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 Massachusetts 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 Massachusetts to other major markets:

Other industries in Massachusetts

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