Workers' Comp Insurance for Auto Repair Businesses in Montana
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 Montana. The Montana workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.66 per $100 of payroll.
Montana 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: Officers and LLC members may be excluded.
Auto Repair class codes used in Montana
Why auto repair workers' comp is tricky in Montana
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 Montana 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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Get My Quote →Auto Repair workers' comp in other states
Rates and requirements for auto repair shops vary widely by state. Compare Montana to other major markets:
Other industries in Montana
Montana workers' comp rates and requirements for other common industries:
More Montana workers' comp resources
- → Montana workers' comp overview — full state requirements, exemptions, average rates
- → Auto Repair workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties