Workers Compensation Class Code 8393 is a specific classification code assigned to businesses in the automobile industry that are primarily engaged in auto body repair and painting operations.
Auto body repair and painting can be inherently dangerous for workers due to the nature of the tasks involved.
The benefits of this insurance policy typically include medical expenses, rehabilitation costs, and a portion of the employee's lost wages during the recovery period. In the unfortunate event of a fatality, the insurance may also provide death benefits to the employee's dependents.
What is Auto Body and Painting Workers Compensation (class code: 8393)?
Class code 8393 identifies businesses whose primary operations are auto body repair, collision repair, and painting. It is a workers’ compensation classification used by underwriters and insurers to group similar risk profiles so premiums and coverage terms can be determined. This code focuses on employee exposures tied to body shops, paint booths, and repair bays.
Who needs it
Auto body shops, collision repair centers, and independent painters—whether small shops or larger operations—typically need this coverage. Operators, technicians, and shop owners use it to cover workplace injuries and occupational illnesses. Related businesses that perform general auto service or mechanical repair should also review nearby classifications such as Class Code 8387 — Auto Service Workers' Compensation to confirm correct classification and coverage.
What it typically covers
Standard workers’ comp for class 8393 generally covers:
- Medical treatment for job-related injuries and illnesses
- Rehabilitation and physical therapy
- Partial wage replacement for time off work
- Death benefits for dependents in fatal incidents
Shops that also perform mechanical repairs may have exposures similar to Workers' Compensation Class Code 8389 (Auto Repair), and insurers will consider combined operations when underwriting. Additional insurance lines like general liability, commercial auto exposure, property coverage, and equipment coverage are commonly purchased alongside workers’ comp to address broader business risks.
Common exclusions or limitations
Typical exclusions can include non-work-related injuries, intentional acts, injuries outside the scope of employment, and certain statutory or policy-specific limitations. Pre-existing conditions may affect coverage determinations, and some high-hazard activities could require endorsements or separate policies.
Factors that influence cost
Underwriting factors include the shop’s payroll, claims history, safety programs, use of ventilation and personal protective equipment, the mix of tasks performed, and whether subcontractors are used. Insurers consider underwriting factors such as loss frequency, severity, and job-site hazards when setting rates. Strong risk management—training, PPE, proper ventilation, and equipment maintenance—typically helps control premium increases.
Proof of insurance & compliance
Employers usually provide certificates of insurance and workers’ compensation filings to demonstrate coverage for clients, leasing agents, or state agencies. Requirements vary by state, so shops should keep up-to-date records and ensure certificates accurately list the business name and operations.
How to get a quote
To obtain a tailored quote, gather basic business information: payroll by job class, number of employees, description of operations, and your recent loss runs. Many insurers and brokers will review operations to determine whether class 8393 or a related code fits best. When you’re ready, you can get a quote online to compare coverage options and limits.
Risk scenario: a painter exposed to solvent fumes without proper ventilation may develop respiratory issues—effective ventilation and respiratory protection reduce both health risks and potential claims.
Frequently Asked Questions
What types of employees are covered under class code 8393?
Employees who perform auto body repair, sanding, painting, prep work, and related shop tasks are typically covered; coverage depends on payroll reporting and job duties.
How do insurers decide if my shop fits class 8393 versus another code?
Insurers review your primary operations, percentage of revenue from body/paint work, and task descriptions. Mixed operations may be split among multiple class codes for premium calculation.
Can safety programs reduce my premium?
Yes. Documented safety training, PPE use, ventilation, and a low claims history are underwriting positives that can lower rates or improve insurer terms.
Still have questions? Talk to a local insurance expert.