Retail
Class Code 8046: Store—Automobile Parts and Accessories—Retail NOC — Workers' Comp Insurance
Covers retail stores selling automobile parts and accessories to consumers and do-it-yourself customers, including counter sales and stockroom staff. It reflects moderate handling exposure from stocking and moving auto parts, without the repair-shop hazards of an actual service bay.
- Risk level:
- moderate
What code 8046 covers
Class 8046 applies to stores selling automobile parts, accessories, and related supplies at retail, covering counter sales staff, stockroom employees, and delivery drivers who fulfill orders to customers or local repair shops. The work involves handling parts of varying weight and size, from small electrical components to batteries and larger assemblies, along with typical retail counter and inventory duties. This classification does not extend to stores that also perform installation or repair services on customers' vehicles, such as installing batteries or wiper blades in a service bay, which would need to be evaluated under the applicable auto-service classification. Stores that primarily serve as a wholesale supplier to repair shops rather than retail customers may fit a wholesale classification instead.
Included operations
- Counter sales of auto parts and accessories
- Stocking, receiving, and inventory of parts merchandise
- Order fulfillment and delivery to customers or repair shops
- Customer assistance with parts lookup and selection
Assigned elsewhere
- Installation or repair services performed on customer vehicles — see code 8380 (Automobile Service or Repair Center) or 8393 as applicable
- Wholesale-only distribution to repair shops without a retail storefront — see code 8018
- Automobile dealership parts departments operated as part of a dealership — evaluated as part of the dealership's overall classification
- Tire installation and mounting services, evaluated under the applicable auto-service classification
Businesses that typically carry 8046
- Auto parts retail chains
- Independent auto parts stores
- Battery and accessory specialty retailers
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
Code 8380
Auto parts stores that also install batteries, wipers, or other simple items in a service bay can blend retail sales with service-bay exposure that needs separate coding.
Code 8018
A parts store that primarily supplies repair shops on a wholesale basis may fit the wholesale classification better than the retail parts code.
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What drives the cost of code 8046
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Square footage, sales volume, and number of locations
- Whether the business has its own delivery drivers or uses third-party carriers
- Stocking, lifting, and equipment use such as forklifts, box cutters, or ladders
- Prior claims history and current experience modification factor
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 8046 fits
Quote class code 8046.
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Class code 8046 questions
Does this code cover installing a battery or wiper blades for a customer?
No, any installation or service-bay work is evaluated under a different auto-service classification rather than the retail parts code.
What if we deliver parts to local repair shops?
Delivery to customers or repair shops is typically included as part of this retail classification.
Is this the same code used by a dealership's parts department?
A dealership's parts department is typically evaluated as part of the dealership's overall classification rather than as a standalone parts store.
Does 8046 apply if we mostly sell wholesale to shops rather than retail customers?
A primarily wholesale operation may fit a wholesale store classification better; we review the actual customer mix to confirm.
Last reviewed · Reviewed by Provident Financial Group licensed agents