Workers' Comp Insurance for Auto Repair Businesses in New York
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 New York. The New York workers' compensation market is governed by NYCIRB, and the average rate statewide is approximately $1.41 per $100 of payroll.
New York 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; partnerships exempt for partners only.
Owner / officer exclusion: Sole corporate officers and one- or two-person corps may exclude; LLC members may exclude.
Auto Repair class codes used in New York
Why auto repair workers' comp is tricky in New York
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 New York 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
Get a New York auto repair workers' comp quote in 60 seconds
We're licensed in New York and work with carriers that actively want auto repair shops accounts. Quote takes one minute.
Get My Quote →Auto Repair workers' comp in other states
Rates and requirements for auto repair shops vary widely by state. Compare New York to other major markets:
Other industries in New York
New York workers' comp rates and requirements for other common industries:
More New York workers' comp resources
- → New York 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