Workers' Compensation Insurance for Retail

Workers' compensation for retail stores, grocery stores, hardware stores, furniture stores, and wholesale operations. Retail employees face moderate risks from lifting, stocking shelves, operating equipment, and slips and falls. Rates generally sit in the moderate range, above office codes but well below construction.

Class Codes in Retail

8017 — Retail Store NOC

Covers retail store employees including cashiers, stock clerks, and sales associates not otherwise classified.

16 / 100

class percentile · filed in 2 states

8006 — Grocery Store - Retail

Covers grocery store employees including cashiers, stock clerks, deli workers, and produce handlers.

29 / 100

class percentile · filed in 2 states

8018 — Wholesale Store NOC

Covers wholesale store employees including order fillers, warehouse workers, and sales staff.

60 / 100

class percentile · filed in 2 states

8033 — Meat, Fish or Poultry Dealer - Retail

Covers butchers, fishmongers, and poultry dealers in retail settings.

41 / 100

class percentile · filed in 2 states

8044 — Furniture Store - Wholesale or Retail & Drivers

Covers wholesale or retail furniture store employees and drivers selling, delivering, and installing furniture for homes, offices, hotels, lawns, and gardens.

51 / 100

class percentile · filed in 2 states

8045 — Retail Store - Cannabis/Dispensary

Covers employees of licensed cannabis dispensaries including budtenders, inventory staff, and security.

7 / 100

class percentile · filed in 1 state

8010 — Hardware Store - Wholesale or Retail

Covers wholesale or retail hardware dealers selling fasteners, locks, hinges, hand tools, portable power tools, plumbing fittings, electrical supplies, and similar hardware goods.

35 / 100

class percentile · filed in 1 state

8008 — Clothing or Wearing Apparel Store - Retail

Covers clothing store employees including sales associates, tailors, and stock room staff.

13 / 100

class percentile · filed in 2 states

8039 — Department Store - Retail

Covers all employees of department stores including sales, stocking, and customer service.

31 / 100

class percentile · filed in 2 states

2915 — Glass Merchant

Covers workers at glass merchant establishments cutting, selling, and delivering glass products.

69 / 100

class percentile · filed in 1 state

8058 — Building Materials Dealer

Covers employees of building materials supply stores selling lumber, hardware, and construction supplies.

49 / 100

class percentile · filed in 1 state

8061 — Lumber Dealer

Covers employees of lumber yards selling and delivering lumber and wood products.

—

class percentile · filed in 0 states

8106 — Iron/Steel Merchant

Covers employees of iron and steel merchant establishments selling and distributing metal products.

71 / 100

class percentile · filed in 2 states

8116 — Farm Machinery Dealer - All Operations & Drivers

Covers wholesale or retail dealers selling or renting new or secondhand farm machinery, including tractors, seeding, harvesting, baling, and fertilizing equipment.

36 / 100

class percentile · filed in 2 states

8215 — Ice Dealer

Covers employees of ice distribution businesses delivering and selling ice products to retail and commercial customers.

56 / 100

class percentile · filed in 2 states

8227 — Construction Material - Used

Covers employees of businesses dealing in salvaged or used construction materials and building components.

67 / 100

class percentile · filed in 2 states

8232 — Building Material Yard & Drivers

Covers lumberyard, warehouse, yard, forklift, and delivery-driver employees of building material dealers handling new materials.

75 / 100

class percentile · filed in 2 states

8263 — Junk Dealer

Covers employees of junk and scrap dealers buying, sorting, and selling recyclable materials and scrap items.

79 / 100

class percentile · filed in 2 states

8013 — Jewelry Store

Covers employees of jewelry stores selling, repairing, and appraising jewelry and watches.

3 / 100

class percentile · filed in 2 states

8015 — Quick Printing

Covers employees of quick print and copy shops providing printing, copying, and binding services.

8 / 100

class percentile · filed in 1 state

8019 — Convenience Store

Covers employees of convenience stores selling food, beverages, and general merchandise.

—

class percentile · filed in 0 states

8021 — Meat, Fish or Poultry Dealer - Wholesale

Covers wholesale dealers distributing fresh or cured meat, fish, or poultry, including cutting portions for sale to restaurants, institutions, stores, and other commercial accounts.

50 / 100

class percentile · filed in 2 states

8031 — Meat Market - Retail

Covers employees of retail meat markets and butcher shops cutting, preparing, and selling meat products.

31 / 100

class percentile · filed in 2 states

8032 — Florist - Retail

Covers employees of retail florist shops arranging and selling flowers, plants, and floral arrangements.

14 / 100

class percentile · filed in 2 states

8037 — Paint Store

Covers employees of paint stores selling paints, stains, coatings, and related supplies.

23 / 100

class percentile · filed in 1 state

8047 — Drug Store

Covers employees of pharmacies and drug stores dispensing medications and selling health-related merchandise.

16 / 100

class percentile · filed in 2 states

8072 — Book Store

Covers employees of bookstores selling books, magazines, periodicals, and related merchandise.

5 / 100

class percentile · filed in 2 states

8078 — Sporting Goods Store

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

—

class percentile · filed in 0 states

8090 — Shoe Store

Covers employees of shoe stores selling footwear and shoe accessories to retail customers.

9 / 100

class percentile · filed in 1 state

8099 — Pet Store

Covers employees of pet stores selling pets, pet food, supplies, and providing grooming services.

—

class percentile · filed in 0 states

Filed Figures by State

Per $100 of payroll, copied from each state's own filing. “LC” is a loss cost (before the insurer's multiplier); “rate” is a manual rate. Other states publish no per-class figure this site has transcribed.

State801780068018803380448045801080088039291580588061810681168215822782328263801380158019802180318032803780478072807880908099
New York$0.651 LC$0.855 LC$2.000 LC$1.721 LC$1.609 LC——$0.446 LC$1.083 LC———$2.586 LC$0.957 LC$1.344 LC$4.140 LC$3.175 LC$2.572 LC$0.138 LC——$2.449 LC$0.846 LC$0.401 LC—$0.936 LC$0.276 LC—$0.405 LC—
Wisconsin$1.319 rate$2.028 rate$3.167 rate$1.844 rate$2.720 rate$0.647 rate$1.931 rate$1.137 rate$1.883 rate$3.468 rate$2.451 rate—$3.709 rate$2.449 rate$4.008 rate$2.391 rate$3.712 rate$5.633 rate$0.299 rate$0.693 rate—$1.878 rate$2.183 rate$1.348 rate$1.541 rate$0.762 rate$0.392 rate———

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