Workers' Comp Insurance for Auto Repair Businesses in North Carolina

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 North Carolina. The North Carolina workers' compensation market is governed by NCRB, and the average rate statewide is approximately $0.84 per $100 of payroll.

North Carolina requirements for auto repair businesses

When required: Required for any employer with 3 or more employees (any combination of full-time, part-time, seasonal).

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may exclude themselves by election.

Auto Repair class codes used in North Carolina

Why auto repair workers' comp is tricky in North Carolina

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 North Carolina 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 North Carolina to other major markets:

Other industries in North Carolina

North Carolina workers' comp rates and requirements for other common industries: