Workers' Comp Insurance for Auto Repair Businesses in Minnesota

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 Minnesota. The Minnesota workers' compensation market is governed by MWCIA, and the average rate statewide is approximately $1.31 per $100 of payroll.

Minnesota requirements for auto repair businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Sole corporate officers may exclude; multiple officers all covered.

Auto Repair class codes used in Minnesota

Why auto repair workers' comp is tricky in Minnesota

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 Minnesota 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 Minnesota to other major markets:

Other industries in Minnesota

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