Workers Compensation Insurance for Auto Repair Shops in Pennsylvania

Est. $1.50–$3.50 per $100 payroll PCRB 2026 Pennsylvania

Pennsylvania auto repair shops face workers' comp risks from working under lifted vehicles, chemical exposure, and the general physical demands of mechanical work. Costs are moderate compared to construction trades, with good management opportunities.

Auto repair workers face risks from vehicle falls (crushings from improperly supported vehicles), chemical exposure (oils, solvents, brake fluid), and musculoskeletal injuries from awkward positions and repetitive wrench work. Burns from exhaust systems and electrical hazards round out the risk profile.


Common Workers' Comp Risks in Auto Repair & Service

  • Vehicle fall incidents from improper lift or jack stand support
  • Chemical burns from battery acid, solvents, and brake fluid
  • Burns from hot exhaust components
  • Eye injuries from grinding and pressurized fluids
  • Musculoskeletal strains from awkward work positions

How to Reduce Your Workers' Comp Cost in Auto Repair & Service

Industry-specific strategies that lower your premium — not generic advice.

  1. Implement a vehicle support protocol — minimum 2-point support for all underbody work
  2. Provide eye protection for all shop work
  3. Separate service advisors, parts counter, and administrative staff payroll
  4. Maintain a clean shop — oil and fluid spills are the primary slip hazard

Calculate Your Auto Repair Workers' Comp Premium

Enter your actual payroll, class code, LCM, and EMR for a personalized 2026 estimate.


Frequently Asked Questions — Auto Repair & Service Workers' Comp in PA

What class code does an auto repair shop use in Pennsylvania?

Auto repair shops typically use Code 846 (Automobile service station) or Code 847 (Automobile repair shop). The right code depends on your primary operations. A service station with fuel sales and repair work may have a different code than a standalone repair garage. See the PA class code directory for details.


Related Pennsylvania Workers Compensation Insurance Guides

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