Retail & Stores Workers' Comp
Affordable Workers' Comp for Retail Businesses
Coverage for retail shops, department stores, auto service centers, and specialty retailers. Low rates. Fast quotes.
Workers' Compensation for Retail & Stores
Workers' compensation insurance for retail businesses is a policy that covers medical expenses, lost wages, and disability benefits for retail store employees injured on the job from slip-and-fall accidents, lifting injuries, and repetitive strain. Retail store workers' comp rates typically range from $0.50-$2.50 per $100 of payroll, with auto service centers and gas stations paying higher rates than general retail. A small retail shop with $150,000 in payroll might pay $750-$3,750 annually. Slip-and-fall injuries are the number one retail workers' comp claim, followed by lifting injuries from stocking shelves and unloading inventory. Workers' comp is required in most states for retail businesses with employees, and many shopping centers and commercial landlords require proof of coverage in your lease agreement.
Why Retail & Stores Need Workers' Comp
- ! Required by state law for businesses with employees
- ! Slip-and-fall injuries are the #1 retail workers' comp claim
- ! Stocking, unloading, and inventory work causes lifting injuries
- ! Protects your business from lawsuits after employee injuries
- ! Many shopping centers and commercial landlords require proof of coverage
Common Retail & Stores Claims
- ⚠ Slip-and-fall injuries on wet or cluttered floors
- ⚠ Back injuries from lifting boxes and stocking shelves
- ⚠ Repetitive strain from checkout and register work
- ⚠ Cuts and injuries from box cutters and equipment
- ⚠ Customer altercation and workplace violence injuries
- ⚠ Parking lot accidents
Workers' Comp Class Codes for Retail & Stores
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 8380 | Department Stores | — |
| 8044 | Automobile Service Centers | — |
| 8387 | Auto or Truck Service Stations — All Employees | — |
| 8350 | Gasoline Dealer | — |
| 8391 | Auto or Truck Dealers — Non-Sales Employees | — |
What Affects Your Retail & Stores Workers' Comp Cost?
Type of retail — department store vs. specialty vs. auto service
Total payroll and number of employees
Whether employees perform any delivery or installation work
Claims history and safety record
State where employees work
Frequently Asked Questions
How much does workers' comp cost for a retail store? +
Retail store rates typically range from $0.50-$2.50 per $100 of payroll, depending on the type of retail and state. Auto service centers and gas stations tend to have higher rates than general retail. A small retail shop with $150,000 in payroll might pay $750-$3,750 annually.
Are part-time holiday workers covered? +
Yes. Seasonal and part-time employees must be covered by workers' comp. Your premiums are based on actual payroll, so you only pay for coverage during the periods employees are working.
Does workers' comp cover injuries during employee theft or robbery? +
Yes. Injuries sustained during a robbery or violent incident at the workplace are covered by workers' compensation, including physical injuries and in some states, psychological trauma.
Do I need workers' comp for delivery drivers? +
If your retail employees also make deliveries, they need to be classified under the appropriate driving class code in addition to their retail code. Delivery work carries higher risk and a different rate. We help you classify correctly.
Retail & Stores Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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