WCRates

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. Average rates range from $1.25 to $3.50 per $100 of payroll.

Industry Average Rate: $1.95 per $100 of payroll

Class Codes in Retail

8017 — Retail Store NOC

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

$2.25

nat'l avg / $100

8006 — Grocery Store - Retail

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

$2.68

nat'l avg / $100

8018 — Wholesale Store NOC

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

$2.57

nat'l avg / $100

8033 — Meat, Fish or Poultry Dealer - Retail

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

$3.48

nat'l avg / $100

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.

$2.95

nat'l avg / $100

8045 — Retail Store - Cannabis/Dispensary

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

$2.30

nat'l avg / $100

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.

$2.78

nat'l avg / $100

8008 — Clothing or Wearing Apparel Store - Retail

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

$1.98

nat'l avg / $100

8039 — Department Store - Retail

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

$2.14

nat'l avg / $100

2915 — Glass Merchant

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

$5.62

nat'l avg / $100

8058 — Building Materials Dealer

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

$5.62

nat'l avg / $100

8061 — Lumber Dealer

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

$6.16

nat'l avg / $100

8106 — Iron/Steel Merchant

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

$5.89

nat'l avg / $100

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.

$3.48

nat'l avg / $100

8215 — Ice Dealer

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

$3.21

nat'l avg / $100

8227 — Construction Material - Used

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

$6.16

nat'l avg / $100

8232 — Building Material Yard & Drivers

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

$6.16

nat'l avg / $100

8263 — Junk Dealer

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

$5.89

nat'l avg / $100

8013 — Jewelry Store

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

$0.91

nat'l avg / $100

8015 — Quick Printing

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

$1.07

nat'l avg / $100

8019 — Convenience Store

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

$2.41

nat'l avg / $100

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.

$2.68

nat'l avg / $100

8031 — Meat Market - Retail

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

$2.95

nat'l avg / $100

8032 — Florist - Retail

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

$1.23

nat'l avg / $100

8037 — Paint Store

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

$1.07

nat'l avg / $100

8047 — Drug Store

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

$1.02

nat'l avg / $100

8072 — Book Store

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

$0.54

nat'l avg / $100

8078 — Sporting Goods Store

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

$1.34

nat'l avg / $100

8090 — Shoe Store

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

$0.59

nat'l avg / $100

8099 — Pet Store

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

$1.23

nat'l avg / $100

Rate Comparison by State

State801780068018803380448045801080088039291580588061810681168215822782328263801380158019802180318032803780478072807880908099
Indiana$1.64$1.95$1.87$2.54$2.15$1.68$2.03$1.44$1.56$4.10$4.10$4.49$4.29$2.54$2.34$4.49$4.49$4.29$0.66$0.78$1.76$1.95$2.15$0.90$0.78$0.74$0.39$0.98$0.43$0.90
Texas$1.66$1.97$1.89$2.56$2.17$1.70$2.05$1.46$1.58$4.14$4.14$4.54$4.34$2.56$2.37$4.54$4.54$4.34$0.67$0.79$1.78$1.97$2.17$0.91$0.79$0.75$0.39$0.99$0.43$0.91
Virginia$1.74$2.07$1.99$2.70$2.28$1.78$2.16$1.54$1.66$4.36$4.36$4.77$4.56$2.70$2.49$4.77$4.77$4.56$0.71$0.83$1.87$2.07$2.28$0.95$0.83$0.79$0.42$1.04$0.46$0.95
Utah$1.79$2.13$2.04$2.76$2.34$1.83$2.21$1.57$1.70$4.46$4.46$4.89$4.68$2.76$2.55$4.89$4.89$4.68$0.72$0.85$1.91$2.13$2.34$0.98$0.85$0.81$0.43$1.06$0.47$0.98
Arkansas$1.85$2.20$2.11$2.86$2.42$1.89$2.29$1.63$1.76$4.62$4.62$5.06$4.84$2.86$2.64$5.06$5.06$4.84$0.75$0.88$1.98$2.20$2.42$1.01$0.88$0.84$0.44$1.10$0.48$1.01
Colorado$1.87$2.23$2.14$2.89$2.45$1.91$2.31$1.65$1.78$4.67$4.67$5.12$4.90$2.89$2.67$5.12$5.12$4.90$0.76$0.89$2.00$2.23$2.45$1.02$0.89$0.85$0.45$1.11$0.49$1.02
Tennessee$1.91$2.28$2.18$2.96$2.50$1.96$2.37$1.68$1.82$4.78$4.78$5.23$5.01$2.96$2.73$5.23$5.23$5.01$0.77$0.91$2.05$2.28$2.50$1.05$0.91$0.86$0.46$1.14$0.50$1.05
Arizona$1.93$2.30$2.21$2.99$2.53$1.98$2.39$1.70$1.84$4.83$4.83$5.29$5.06$2.99$2.76$5.29$5.29$5.06$0.78$0.92$2.07$2.30$2.53$1.06$0.92$0.87$0.46$1.15$0.51$1.06
South Dakota$1.95$2.33$2.23$3.02$2.56$2.00$2.42$1.72$1.86$4.88$4.88$5.35$5.12$3.02$2.79$5.35$5.35$5.12$0.79$0.93$2.09$2.33$2.56$1.07$0.93$0.88$0.47$1.16$0.51$1.07
Nebraska$1.97$2.35$2.26$3.06$2.59$2.02$2.44$1.74$1.88$4.93$4.93$5.40$5.17$3.06$2.82$5.40$5.40$5.17$0.80$0.94$2.11$2.35$2.59$1.08$0.94$0.89$0.47$1.17$0.52$1.08
North Carolina$1.97$2.35$2.26$3.06$2.59$2.02$2.44$1.74$1.88$4.93$4.93$5.40$5.17$3.06$2.82$5.40$5.40$5.17$0.80$0.94$2.11$2.35$2.59$1.08$0.94$0.89$0.47$1.17$0.52$1.08
Idaho$2.00$2.38$2.28$3.09$2.61$2.04$2.47$1.76$1.90$4.99$4.99$5.46$5.23$3.09$2.85$5.46$5.46$5.23$0.81$0.95$2.14$2.38$2.61$1.09$0.95$0.90$0.48$1.19$0.52$1.09
Kansas$2.02$2.40$2.30$3.12$2.64$2.06$2.50$1.78$1.92$5.04$5.04$5.52$5.28$3.12$2.88$5.52$5.52$5.28$0.82$0.96$2.16$2.40$2.64$1.10$0.96$0.91$0.48$1.20$0.53$1.10
Mississippi$2.04$2.42$2.33$3.15$2.67$2.09$2.52$1.79$1.94$5.09$5.09$5.58$5.34$3.15$2.91$5.58$5.58$5.34$0.82$0.97$2.18$2.42$2.67$1.12$0.97$0.92$0.49$1.21$0.53$1.12
New Mexico$2.06$2.45$2.35$3.19$2.70$2.11$2.55$1.81$1.96$5.15$5.15$5.64$5.39$3.19$2.94$5.64$5.64$5.39$0.83$0.98$2.21$2.45$2.70$1.13$0.98$0.93$0.49$1.23$0.54$1.13
South Carolina$2.08$2.48$2.38$3.22$2.72$2.13$2.57$1.83$1.98$5.20$5.20$5.69$5.45$3.22$2.97$5.69$5.69$5.45$0.84$0.99$2.23$2.48$2.72$1.14$0.99$0.94$0.50$1.24$0.54$1.14
Kentucky$2.10$2.50$2.40$3.25$2.75$2.15$2.60$1.85$2.00$5.25$5.25$5.75$5.50$3.25$3.00$5.75$5.75$5.50$0.85$1.00$2.25$2.50$2.75$1.15$1.00$0.95$0.50$1.25$0.55$1.15
Iowa$2.14$2.55$2.45$3.32$2.81$2.19$2.65$1.89$2.04$5.36$5.36$5.87$5.61$3.32$3.06$5.87$5.87$5.61$0.87$1.02$2.30$2.55$2.81$1.17$1.02$0.97$0.51$1.27$0.56$1.17
Missouri$2.16$2.58$2.47$3.35$2.83$2.21$2.68$1.91$2.06$5.41$5.41$5.92$5.67$3.35$3.09$5.92$5.92$5.67$0.88$1.03$2.32$2.58$2.83$1.18$1.03$0.98$0.52$1.29$0.57$1.18
Nevada$2.18$2.60$2.50$3.38$2.86$2.24$2.70$1.92$2.08$5.46$5.46$5.98$5.72$3.38$3.12$5.98$5.98$5.72$0.88$1.04$2.34$2.60$2.86$1.20$1.04$0.99$0.52$1.30$0.57$1.20
Georgia$2.21$2.63$2.52$3.41$2.89$2.26$2.73$1.94$2.10$5.51$5.51$6.04$5.78$3.41$3.15$6.04$6.04$5.78$0.89$1.05$2.36$2.63$2.89$1.21$1.05$1.00$0.53$1.31$0.58$1.21
Maryland$2.21$2.63$2.52$3.41$2.89$2.26$2.73$1.94$2.10$5.51$5.51$6.04$5.78$3.41$3.15$6.04$6.04$5.78$0.89$1.05$2.36$2.63$2.89$1.21$1.05$1.00$0.53$1.31$0.58$1.21
Oregon$2.23$2.65$2.54$3.45$2.92$2.28$2.76$1.96$2.12$5.57$5.57$6.10$5.83$3.45$3.18$6.10$6.10$5.83$0.90$1.06$2.39$2.65$2.92$1.22$1.06$1.01$0.53$1.33$0.58$1.22
West Virginia$2.25$2.68$2.57$3.48$2.94$2.30$2.78$1.98$2.14$5.62$5.62$6.15$5.89$3.48$3.21$6.15$6.15$5.89$0.91$1.07$2.41$2.68$2.94$1.23$1.07$1.02$0.54$1.34$0.59$1.23
Alabama$2.27$2.70$2.59$3.51$2.97$2.32$2.81$2.00$2.16$5.67$5.67$6.21$5.94$3.51$3.24$6.21$6.21$5.94$0.92$1.08$2.43$2.70$2.97$1.24$1.08$1.03$0.54$1.35$0.59$1.24
Minnesota$2.27$2.70$2.59$3.51$2.97$2.32$2.81$2.00$2.16$5.67$5.67$6.21$5.94$3.51$3.24$6.21$6.21$5.94$0.92$1.08$2.43$2.70$2.97$1.24$1.08$1.03$0.54$1.35$0.59$1.24
New Hampshire$2.27$2.70$2.59$3.51$2.97$2.32$2.81$2.00$2.16$5.67$5.67$6.21$5.94$3.51$3.24$6.21$6.21$5.94$0.92$1.08$2.43$2.70$2.97$1.24$1.08$1.03$0.54$1.35$0.59$1.24
Delaware$2.31$2.75$2.64$3.58$3.03$2.37$2.86$2.04$2.20$5.78$5.78$6.33$6.05$3.58$3.30$6.33$6.33$6.05$0.94$1.10$2.48$2.75$3.03$1.26$1.10$1.05$0.55$1.38$0.61$1.26
Maine$2.31$2.75$2.64$3.58$3.03$2.37$2.86$2.04$2.20$5.78$5.78$6.33$6.05$3.58$3.30$6.33$6.33$6.05$0.94$1.10$2.48$2.75$3.03$1.26$1.10$1.05$0.55$1.38$0.61$1.26
Wisconsin$2.31$2.75$2.64$3.58$3.03$2.37$2.86$2.04$2.20$5.78$5.78$6.33$6.05$3.58$3.30$6.33$6.33$6.05$0.94$1.10$2.48$2.75$3.03$1.26$1.10$1.05$0.55$1.38$0.61$1.26
Michigan$2.35$2.80$2.69$3.64$3.08$2.41$2.91$2.07$2.24$5.88$5.88$6.44$6.16$3.64$3.36$6.44$6.44$6.16$0.95$1.12$2.52$2.80$3.08$1.29$1.12$1.06$0.56$1.40$0.62$1.29
Vermont$2.35$2.80$2.69$3.64$3.08$2.41$2.91$2.07$2.24$5.88$5.88$6.44$6.16$3.64$3.36$6.44$6.44$6.16$0.95$1.12$2.52$2.80$3.08$1.29$1.12$1.06$0.56$1.40$0.62$1.29
Rhode Island$2.39$2.85$2.74$3.70$3.14$2.45$2.96$2.11$2.28$5.99$5.99$6.56$6.27$3.70$3.42$6.56$6.56$6.27$0.97$1.14$2.57$2.85$3.14$1.31$1.14$1.08$0.57$1.42$0.63$1.31
Florida$2.42$2.88$2.76$3.74$3.16$2.47$2.99$2.13$2.30$6.04$6.04$6.61$6.32$3.74$3.45$6.61$6.61$6.32$0.98$1.15$2.59$2.88$3.16$1.32$1.15$1.09$0.57$1.44$0.63$1.32
Montana$2.42$2.88$2.76$3.74$3.16$2.47$2.99$2.13$2.30$6.04$6.04$6.61$6.32$3.74$3.45$6.61$6.61$6.32$0.98$1.15$2.59$2.88$3.16$1.32$1.15$1.09$0.57$1.44$0.63$1.32
District of Columbia$2.48$2.95$2.83$3.84$3.24$2.54$3.07$2.18$2.36$6.19$6.19$6.78$6.49$3.84$3.54$6.78$6.78$6.49$1.00$1.18$2.66$2.95$3.24$1.36$1.18$1.12$0.59$1.48$0.65$1.36
Massachusetts$2.48$2.95$2.83$3.84$3.24$2.54$3.07$2.18$2.36$6.19$6.19$6.78$6.49$3.84$3.54$6.78$6.78$6.49$1.00$1.18$2.66$2.95$3.24$1.36$1.18$1.12$0.59$1.48$0.65$1.36
Oklahoma$2.48$2.95$2.83$3.84$3.24$2.54$3.07$2.18$2.36$6.19$6.19$6.78$6.49$3.84$3.54$6.78$6.78$6.49$1.00$1.18$2.66$2.95$3.24$1.36$1.18$1.12$0.59$1.48$0.65$1.36
Illinois$2.52$3.00$2.88$3.90$3.30$2.58$3.12$2.22$2.40$6.30$6.30$6.90$6.60$3.90$3.60$6.90$6.90$6.60$1.02$1.20$2.70$3.00$3.30$1.38$1.20$1.14$0.60$1.50$0.66$1.38
Connecticut$2.56$3.05$2.93$3.97$3.36$2.62$3.17$2.26$2.44$6.41$6.41$7.02$6.71$3.97$3.66$7.02$7.02$6.71$1.04$1.22$2.75$3.05$3.36$1.40$1.22$1.16$0.61$1.53$0.67$1.40
Louisiana$2.63$3.13$3.00$4.06$3.44$2.69$3.25$2.31$2.50$6.56$6.56$7.19$6.88$4.06$3.75$7.19$7.19$6.88$1.06$1.25$2.81$3.13$3.44$1.44$1.25$1.19$0.63$1.56$0.69$1.44
Hawaii$2.69$3.20$3.07$4.16$3.52$2.75$3.33$2.37$2.56$6.72$6.72$7.36$7.04$4.16$3.84$7.36$7.36$7.04$1.09$1.28$2.88$3.20$3.52$1.47$1.28$1.22$0.64$1.60$0.70$1.47
Pennsylvania$2.69$3.20$3.07$4.16$3.52$2.75$3.33$2.37$2.56$6.72$6.72$7.36$7.04$4.16$3.84$7.36$7.36$7.04$1.09$1.28$2.88$3.20$3.52$1.47$1.28$1.22$0.64$1.60$0.70$1.47
New Jersey$2.73$3.25$3.12$4.23$3.58$2.80$3.38$2.41$2.60$6.83$6.83$7.48$7.15$4.23$3.90$7.48$7.48$7.15$1.11$1.30$2.93$3.25$3.58$1.50$1.30$1.23$0.65$1.63$0.72$1.50
California$2.84$3.38$3.24$4.39$3.71$2.90$3.51$2.50$2.70$7.09$7.09$7.76$7.43$4.39$4.05$7.76$7.76$7.43$1.15$1.35$3.04$3.38$3.71$1.55$1.35$1.28$0.68$1.69$0.74$1.55
Alaska$2.98$3.55$3.41$4.62$3.91$3.05$3.69$2.63$2.84$7.46$7.46$8.16$7.81$4.62$4.26$8.16$8.16$7.81$1.21$1.42$3.20$3.55$3.91$1.63$1.42$1.35$0.71$1.78$0.78$1.63
New York$3.05$3.63$3.48$4.71$3.99$3.12$3.77$2.68$2.90$7.61$7.61$8.34$7.98$4.71$4.35$8.34$8.34$7.98$1.23$1.45$3.26$3.63$3.99$1.67$1.45$1.38$0.73$1.81$0.80$1.67

Get a Workers' Comp Quote for Your Retail Business

Compare quotes from carriers that specialize in retail.

Get Quote