Clerical, Professional & Sales
Class Code 8748: Automobile Salespersons — Workers' Comp Insurance
Covers salespeople at auto dealerships whose job is selling vehicles — working the lot, showroom, and test drives — as distinct from the service and repair side of the dealership. It's a dedicated code because vehicle sales work, including test drives, has its own exposure profile.
- Risk level:
- low
What code 8748 covers
Class 8748 applies specifically to salespersons employed by automobile dealerships whose duties are selling new or used vehicles, including showing inventory, negotiating deals, and accompanying customers on test drives. It's a narrower, more specific classification than the general outside-sales code, reflecting that vehicle sales involves regular driving as part of the job in a way that most outside sales roles don't. This code does not extend to the dealership's other departments — service technicians, parts counter staff, and finance/clerical employees are each coded separately based on their own duties. A dealership's overall workers' comp program typically includes several class codes working together to cover sales, service, parts, and administration.
Included operations
- Showing and demonstrating vehicles to customers
- Accompanying customers on test drives
- Negotiating and closing vehicle sales
- Lot management duties tied directly to the sales role
Businesses that typically carry 8748
- New car dealerships
- Used car dealerships
- Motorcycle and powersports dealerships
- RV and specialty vehicle dealers
- Nonprofit and association back offices
- Accounting and bookkeeping firms
- Technology and software company offices
- Businesses whose main operations carry a different, higher-hazard class code
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What drives the cost of code 8748
- 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
- Percentage of time employees spend on outside sales, deliveries, or non-desk duties
- Whether any employees perform duties that belong under a different, higher-hazard class code
- Total clerical payroll versus payroll in other classifications at the same location
- 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 8748 fits
Quote class code 8748.
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Class code 8748 questions
Does 8748 cover the driving involved in test drives?
Yes, accompanying customers on test drives is a normal part of the covered job duties.
What about service technicians at the same dealership?
They're coded separately under an automobile repair or dealer service classification, not 8748.
Does this code apply to motorcycle or RV dealers?
It applies to vehicle sales generally at dealerships of this type; we confirm the exact fit when quoting.
Do finance and clerical staff at the dealership fall under 8748 too?
No, they're typically coded under a clerical classification like 8810 rather than the salesperson code.
Last reviewed · Reviewed by Provident Financial Group licensed agents