Workers' Comp Rate for Retail Store NOC in Colorado (Class Code 8017)

What Class Code 8017 Usually Includes

NYCIRB describes 8017 as Retail Store - NOC - No Service of Food and applies it to employers operating retail stores principally engaged in selling merchandise that is not described by a specialty retail-store classification. WCRB's public lookup lists examples such as art galleries, retail beer or ale dealers, camera or photo-supply stores with no developing, dental-supply dealers, sporting-goods stores, retail paint or wallpaper stores, pet-supply stores, appliance stores with no installation or maintenance, and wine or spirit merchants.

The practical theme is a storefront or showroom where employees sell finished merchandise to walk-in customers and perform ordinary retail duties: greeting customers, ringing sales, arranging displays, stocking shelves, checking inventory, and handling boxed goods. The code can also cover some NOC concessions and demonstrators in retail stores when the state manual places those operations under 8017.

Retail payroll should not be split to clerical 8810 just because some employees work near a register or computer. A cashier, counter associate, stock clerk, or floor salesperson is part of the retail operation. A true clerical office employee 8810 should be physically and operationally separated from stockrooms, sales floors, receiving docks, and other store hazards.

When Retail Store NOC Is Not 8017

Specialty-store classifications come first. Grocery, meat, hardware, building-material, clothing, drug, paint, and other specialty retail operations may have their own codes in a state manual. Compare nearby retail codes such as grocery store retail 8006, meat, fish or poultry dealer retail 8033, hardware store wholesale or retail 8010, and building materials dealer 8058 before defaulting to 8017.

Wholesale and remote-sales operations are another boundary. NYCIRB separately rates internet or mail-order sales of merchandise to individuals under the appropriate wholesale-store classification, and local manuals often separate warehouse, order-filling, or wholesale distribution exposures from walk-in retail. A store with material wholesale or warehouse operations should compare wholesale store NOC 8018 and keep payroll records that show which employees handle retail sales versus receiving, shipping, and bulk distribution.

Food service, installation, repair, manufacturing, and delivery can also move payroll out of 8017. Retail stores with service of food, restaurants, fast-food operations, building-material handling, installation crews, repair shops, and delivery operations carry different hazards from ordinary shelf-stock retail. For food examples, compare restaurant NOC 9082, fast food 9079, and fast food including delivery 9083.

8017 Rate and Manual Differences by State

The same 8017 code number does not mean the same filed cost basis in every state. New York's 8017 dashboard currently shows "Retail Store - NOC - No Service of Food" with an October 1, 2025 loss cost of 0.872, while Florida's 2026 JUA rate table lists 8017 as "Retail Stores & Grocery" at 1.179 with a $1,221 minimum premium. Those are rating-bureau values, not carrier quotes, but they show why a buyer should compare the state-specific filing instead of averaging a national retail-store rate.

Manual wording also changes the classification boundary. Texas lists many retail examples under 8017 with drivers, including appliance, art-and-craft supply, garden supply, hardware, hospital supply, office supply, paint, pet, radio and television parts, and sewing-machine retail operations; the same Texas manual separately routes wholesale versions to 8018 and some food or meat operations to 8006 or 8033. California's WCIRB search uses 8017(1), Stores - retail - N.O.C., and separately points some pharmacy and specialty-store operations into California-specific retail classes. For a multi-state retailer, the audit question is therefore not just "is this retail?" but "which state's retail manual and specialty-store split applies to this payroll?"

Audit Records for Retail Employers

The safest audit file separates payroll by location and function before the policy year closes. Keep job descriptions, point-of-sale roles, receiving-dock assignments, delivery logs, installation or repair work orders, warehouse time, and gross-receipts support for any specialty department that might have its own code. Auditors usually decide 8017 disputes from what employees actually did, not from the store's marketing category.

California deserves separate verification. WCIRB uses California-specific store classifications and suffixes, including 8017(1) Stores - retail - N.O.C., and its public search places many store types into specific classifications. A California retailer should check WCIRB classification guidance before relying on a national 8017 comparison.

For quote shoppers, the rate table on this page is a benchmark, not a binding quote. The filed base-rate estimate still changes after payroll, carrier loss-cost multiplier, experience modification, schedule credits, minimum premium, and any audit split to a specialty retail, wholesale, food-service, delivery, installation, repair, or manufacturing code.