Workers Comp Class Code 8380 — Auto Body Repair
Florida NCCI Workers Comp Classification
FL NCCI Rate
$1.67
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 8380, a worker earning $800/week costs just $13.35/week in workers comp through our PEO program.
FL NCCI Rate
$1.67/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 8380?
NCCI class code 8380 covers Auto Body Repair in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 8380 is $1.67 per $100 of payroll, placing it in the medium-risk tier.
Covers auto body repair technicians and painters. At $3.84/$100, a tech earning $800/week costs $30.72/week in workers comp.
Code 8380 is a non-construction classification. Florida requires workers' compensation for non-construction employers with 4 or more employees, though coverage is strongly recommended for businesses of any size to protect against catastrophic injury costs.
What Does This Rate Mean in Real Dollars?
At $3.84/$100, a tech earning $800/week costs $30.72/week. Annual cost for $150,000 payroll: ~$5,760.
Rate History — Code 8380
5-Year Rate Trend
Code 8380 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 8380 have remained relatively stable around $3.84 over the past 5 years.
Why PEO Makes Sense for Code 8380
No deposit. No audit. Same-day COI.
Auto body shops need flexible coverage. PEO provides same-day COI and pay-as-you-go coverage.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
An auto body shop in Escambia County with 8 technicians. A painter develops respiratory issues from paint fumes — $18,000 claim.
Common Job Titles Under Code 8380
Top Workers Comp Risks for Code 8380
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 8380
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 8380, coverage is required when you have 4 or more employees. However, even with fewer than 4 employees, a serious workplace injury could result in significant personal liability.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 8380
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
OSHA 1910.107
Spray Finishing Using Flammable and Combustible Materials: Requires approved spray booths/rooms, proper mechanical ventilation, interlocked electricals, and fire protection when spraying automotive primers, basecoats, and clearcoats.
OSHA 1910.106
Flammable Liquids: Governs storage and dispensing of paint, thinners, and solvents in approved safety cans/cabinets, bonding and grounding during transfer, and maximum container quantities in the mixing room and shop floor.
OSHA 1910.134
Respiratory Protection: Requires a written program, medical evaluations, fit testing, and the correct respirator selection for paint solvents and isocyanate-cured coatings used in auto body operations.
OSHA 1910.252
Welding, Cutting, and Brazing: Sets hot-work requirements for MIG/TIG welding on panels and frames, including fire watches, shielding combustibles, and safe cylinder handling/storage.
OSHA 1910.1200
Hazard Communication: Mandates SDS access, container labeling, and employee training for paints, hardeners, body fillers, and cleaning solvents used in the shop.
Florida Stop-Work Order Cases — Code 8380
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 8380.
Hillsborough County (2022): A Tampa auto body shop continued operating after its policy lapsed; DFS found five techs actively sanding and painting, including one 1099 painter with no coverage. Penalty assessed: about $313,000 ($1,000/day/employee for 60 days = $300,000 + twice the estimated unpaid premium of ~$6,500).
Miami-Dade County (2023): A Hialeah collision center was issued a stop‑work order when inspectors confirmed eight shop employees on site and no active workers’ comp; the owner had been paying some workers in cash. Penalty assessed: about $242,000 ($1,000/day/employee for 28 days = $224,000 + twice the unpaid premium of ~$9,000).
Orange County (2021): An Orlando body shop’s coverage canceled and they kept operating with three technicians for nearly two weeks while still spray painting solvent-based coatings. Penalty assessed: about $40,200 ($1,000/day/employee for 12 days = $36,000 + twice the unpaid premium of ~$2,100).
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 8380
Many standard insurance carriers restrict or decline coverage for businesses classified under code 8380. Understanding these declination triggers helps you find the right coverage path.
Lack of a compliant spray booth and fire protection for solvent-based coatings (NFPA 33/OSHA 1910.107 alignment) or visible overspray buildup near ignition sources—underwriters view this as a high fire/explosion risk specific to 8380.
Use of isocyanate-cured paints without a documented respiratory program (OSHA 1910.134), fit testing, and medical clearances; prior respiratory or chemical-sensitization claims will trigger declination or heavy surcharges.
Frequent hot work (panel welding/cutting) with poor housekeeping of flammables and no written hot‑work procedures (OSHA 1910.252); frame‑straightening with inadequate guarding/anchoring also raises severity potential.
Mixed operations without verifiable time records—mechanical repair, towing, or road-testing drivers combined with body/paint—leading to uncontrolled 8380 payroll exposure; carriers avoid shops that can’t segregate 8380 from 8391 and any driving exposure with MVR controls.
Common Workers Comp Audit Mistakes for Code 8380
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 8380. These are the most common audit mistakes to avoid.
Not keeping time-split records for employees who do both paint/body (8380) and general auto repair (often 8391); without contemporaneous timecards, auditors assign all hours to the higher‑rated 8380.
Treating 1099 painters, mobile PDR techs, or detailers as true subcontractors without collecting valid workers’ comp certificates; auditors reclassify those labor costs into 8380 payroll.
Failing to document overtime premium and piece‑rate/flag‑hour breakdowns; without records, auditors include the full gross pay (including premium portions) in 8380 payroll.
Classifying estimators/parts staff as 8810 clerical while they routinely enter the shop or supervise floor work; auditors move them into 8380 because of shop exposure and lack of physical separation.
Experience Mod (EMR) & PEO Advantage
For auto body repair (8380), the mod is highly sensitive to frequent cuts, eye injuries, minor burns, and fume-related claims, with occasional severe losses from fires or lift/frame‑rack incidents. Even a few medical‑only claims can push a small shop’s EMR above 1.00 and raise premiums. A PEO helps by tightening loss control around spray booths and respirators, implementing return‑to‑work to keep claims medical‑only, and spreading risk on a large master policy to dampen year‑to‑year volatility.
Frequently Asked Questions — Code 8380
What is the workers comp rate for class code 8380 in Florida?
The Florida NCCI rate for class code 8380 (Auto Body Repair) is $1.67 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $2,504.
Can I get same-day workers comp coverage for class code 8380?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 8380 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 8380 considered high-risk in Florida?
Code 8380 is classified as medium-risk based on its NCCI rate of $1.67 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 8380?
A traditional policy for code 8380 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 8380, the annual cost would be approximately $2,504.
How do I switch to a PEO program if I already have a workers comp policy for code 8380?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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