Workers' Comp Insurance for Auto Repair Businesses in North Dakota
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 Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.
North Dakota requirements for auto repair businesses
When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.
Sole proprietors: Sole proprietors are exempt unless they elect.
Owner / officer exclusion: Officers and LLC members may be excluded.
⚠️ North Dakota is a monopolistic state
All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Auto Repair class codes used in North Dakota
Why auto repair workers' comp is tricky in North Dakota
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 Dakota 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 North Dakota to other major markets:
Other industries in North Dakota
North Dakota workers' comp rates and requirements for other common industries:
More North Dakota workers' comp resources
- → North Dakota 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