Workers' Comp Insurance for Auto Repair Businesses in South 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 South Dakota. The South Dakota workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.97 per $100 of payroll.

South Dakota requirements for auto repair businesses

When required: Coverage is technically optional, but employers without it face unlimited liability for workplace injuries.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Auto Repair class codes used in South Dakota

Why auto repair workers' comp is tricky in South 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 South 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

Auto Repair workers' comp in other states

Rates and requirements for auto repair shops vary widely by state. Compare South Dakota to other major markets:

Other industries in South Dakota

South Dakota workers' comp rates and requirements for other common industries: