Retail Insurance & Workers' Compensation

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Workers' Comp Coverage for Retail Businesses

We've been helping store owners find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed retail insurance programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing store coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Store Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for both retail and wholesale stores.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on office, retail, shops and stores.

The Hartford

Travelers Workers Compensation Insurance.


Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for most retail employees.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for all retail store workers' comp class codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.


Chubb quotes all lines of business and has terrific rates shops, offices, wholesalers, and retail businesses.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has some excellent rates for stores such as grocery stores, hardware stores and sporting good stores.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of retail business.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.


AmTrust Financial provides exceptional value for many business types within the retail classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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Workers' Compensation Codes Related to Stores

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 8017 | Retail Store

Retail store insurance is a very broad class of business. It is the most common class code for most retail stores that sell many different varieties 1of general merchandise. Class code 8017 applies to all stores that are not classified under another code as a specialty store.

Retail stores that typically fall under this classification include office supply stores, gift and novelty stores, electronics, paint, rental centers, shoes and clothing, sporting goods, liquor, tobacco, consignment and pawn shops, pet supplies, books and magazines, baked goods, medical supplies and many related inventory.

Class Code 8006 | Grocery Store

Grocery stores typically sell perishable items as opposed to durable or dry goods. While the rates are similar to retail stores, grocery stores may involve higher labor costs and different underwriting considerations. Class code 8006 includes retail grocery stores, coffee and tea shops, confectionary and candy stores and convenient stores.

Class Code 8010 | Hardware Store

The hardware store class code applies to both retail and wholesale stores that sell hardware goods such as tools, nails, bolts, lumber and other related items. Locksmiths, outdoor power equipment stores and farm supply stores also fall under this classification.

Class Code 8044 | Furniture Store

This code refers to both retail and wholesale dealers who primarily sell furniture. Merchandise sold includes home furnishings, antiques, lawn furniture, office furniture, etc.

Class Code 8045 | Drug Store

Class code 8045 is specific to pharmacies and drug stores. Incidental compounding of drugs is permitted.

Class Code 8018 | Wholesale Distribution

Wholesalers typically provide a variety of good to retail operators rather than consumers. Items may include groceries, appliances, office supplies and electronics. Wholesalers are separately rated under class code 8018.

Alternative State Class Codes for Stores:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
8017 | Liquor Store California
8062 | Appliance Store California
928 | Retail Store Delaware / Pennsylvania
7998 | Hardware Store New York

There are numerous other classification codes used to define specialized stores such as Jewelry Repair-3383, Florists-8001, Bicycles- 8010, and more. Several states often utilize different codes for certain types of classification so class codes may vary. Call our workers comp Specialists for details about your classification code.

Related: retail store, shop, novelty store, antique store, art gallery, bakery, ice cream parlor, battery store, gift shop, newsstand, office supplies, liquor store, souvenir stand, beauty supply store, electronics, floor coverings, luggage, shoe repair, furniture, pet store, pharmacy, dispensary, smoke shop, pawn shop, thrift shop, medical supply store

Workers Compensation is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation is a national Agency, licensed throughout the United States.

Get Better Insurance Coverage for Your Store

A lot of small retail businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing retail store insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Retail Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Store Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for store owners:

  Workers' Compensation and Employers Liability

  Store Liability Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Store Insurance Cost?

The average rate our customers pay for workers' compensation under the retail class code is around $1.54 per $100 of payroll. The average cost for a general liability insurance or business owners (BOP) policy is about $1,150.00 per year.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of good sold can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for stores are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of store matters to underwriters
  • Prior clams and years in business affect pricing
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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