What is workers' comp class code 8078?

Class code 8078 (Sporting Goods Store) is an NCCI workers' compensation classification in the Retail industry group. Covers employees of sporting goods stores selling athletic equipment, apparel, and outdoor recreation gear. Hazard group: B.

How much is workers' comp insurance for class code 8078?

It depends on the state, and none of the state filings transcribed on this site lists class code 8078, so this site shows no dollar figure for it — only a relative cost index ranking the 47 rated states. Your premium is payroll ÷ 100 × your carrier's rate × your experience modification; ask a licensed agent for a quote. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.

Workers' Comp Rates for Sporting Goods Store (Class Code 8078)

Description

Covers employees of sporting goods stores selling athletic equipment, apparel, and outdoor recreation gear.

Common Businesses

Sporting goods storesAthletic equipment shopsOutdoor recreation retailersFitness equipment stores

Hazard Group

Filed Figures Published

states

Two kinds of number appear here — neither is a quote.

A filed figure is copied from the state’s own regulator or rating bureau, with the filing and effective date beside it. A filed loss cost is not a rate: your insurer multiplies it by its own loss cost multiplier before applying your experience modification. A cost index ranks states against the median state (1.00); it is modelled, it is not a price, and it is the only figure shown for states whose per-class filings we have not been able to transcribe. We stopped publishing modelled per-$100 estimates after measuring them against the filings — read the calibration measurement.

Your actual premium depends on the carrier's rates, experience modification factor, schedule credits, payroll, claims history, and underwriting. WorkersCompCost.com is not a licensed insurance broker — confirm binding rates with a licensed agent in your state.

Filed Figures for Class Code 8078 in the States That Publish Them

None of the state filings transcribed on this site lists class code 8078. States can number or word this work differently, so check the state's own manual.

How States Rank for Class Code 8078

Cost index 1.00 = the median of the 47 rated states. It is a relative position from this site’s model, not a price, and it does not vary by class code; a state’s filed figure, where it publishes one, is shown beside it. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.

State	Cost index	Filed figure	Filing effective
Indiana	0.73	—	2026-01-01
Texas	0.74	—	2026-07-01
Virginia	0.78	—	2026-04-01
Utah	0.79	—	2026-02-01
Arkansas	0.82	—	2026-07-01
Colorado	0.83	—	2026-01-01
South Dakota	0.83	—	2026-07-01
Arizona	0.86	—	2026-01-01
Nebraska	0.88	—	2026-02-01
North Carolina	0.88	—	2026-04-01
Idaho	0.89	—	2026-01-01
Tennessee	0.89	—	2026-10-01
Kansas	0.90	—	2026-01-01
Mississippi	0.91	—	2026-03-01
New Mexico	0.92	—	2026-01-01
Kentucky	0.93	—	2026-01-01
South Carolina	0.93	—	2026-04-01
Iowa	0.95	—	2026-01-01
Missouri	0.96	—	2026-01-01
Nevada	0.97	—	2026-03-01
Georgia	0.98	—	2026-03-01
Maryland	0.98	—	2026-01-01
Oregon	0.99	—	2026-01-01
West Virginia	1.00	—	2026-01-01
Alabama	1.01	—	2026-03-01
Minnesota	1.01	—	2026-01-01
New Hampshire	1.01	—	2026-01-01
Wisconsin	1.01	—	2026-10-01
Delaware	1.03	—	2025-12-01
Maine	1.03	—	2025-04-01
Rhode Island	1.04	—	2026-08-01
Michigan	1.05	—	2026-01-01
Vermont	1.05	—	2026-04-01
New York	1.06	—	2026-10-01
Florida	1.07	—	2026-01-01
Montana	1.07	—	2026-07-01
District of Columbia	1.10	—	2026-01-01
Massachusetts	1.10	—	2024-07-01
Oklahoma	1.10	—	2026-01-01
Illinois	1.12	—	2026-01-01
Connecticut	1.14	—	2026-01-01
Louisiana	1.17	—	2026-05-01
Hawaii	1.20	—	2026-01-01
Pennsylvania	1.20	—	2026-04-01
New Jersey	1.21	—	2026-01-01
Alaska	1.33	—	2026-01-01
California	1.34	—	2026-09-01

A filed rate — or a loss cost times your insurer's multiplier — is step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or work out premium for code 8078 with your own rate, payroll and experience mod.

Related Class Codes

8017

Retail Store NOC

Hazard Group: C

8006

Grocery Store - Retail

Hazard Group: C

8018

Wholesale Store NOC

Hazard Group: C

8033

Meat, Fish or Poultry Dealer - Retail

Hazard Group: C

8044

Furniture Store - Wholesale or Retail & Drivers

Hazard Group: C

Frequently Asked Questions

What is workers' comp class code 8078?: Class code 8078 (Sporting Goods Store) is an NCCI workers' compensation classification in the Retail industry group. Covers employees of sporting goods stores selling athletic equipment, apparel, and outdoor recreation gear. Hazard group: B.
How much is workers' comp insurance for class code 8078?: It depends on the state, and none of the state filings transcribed on this site lists class code 8078, so this site shows no dollar figure for it — only a relative cost index ranking the 47 rated states. Your premium is payroll ÷ 100 × your carrier's rate × your experience modification; ask a licensed agent for a quote. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
What businesses use workers' comp class code 8078?: Class code 8078 typically applies to Sporting goods stores, Athletic equipment shops, Outdoor recreation retailers, Fitness equipment stores.

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