Shopping cart, credit card and partial view of laptop

Workers' Compensation Insurance for Retailers and Wholesalers

Policies for retail stores, boutiques and warehousing locations

Get an Instant Quote



Why do Retailers and Wholesalers need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Searching for workers compensation for wholesalers and retailers? With our policy, you can feel more comfortable and confident about risk management and coverage for injured employees.

Common retail worker injuries

Slips and falls – wet floors or uneven surfaces can cause bruises, fractures, or broken bones
Repetitive strain – repeated lifting or pushing leads to muscle strains and sprains
Cuts and punctures – sharp tools like box cutters can injure hands and fingers
Falling objects – items toppling from shelves can cause bruises or worse
Vehicle accidents – delivery drivers face high-risk, high-cost claims

Common types of Retail and Wholesale workers we can insure

Clothing Store

E-Commerce Retailers

E-commerce Wholesalers

Grocery Store

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Wholesalers & Retail Stores workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Retail and Wholesale Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Retailers and Wholesalers cost?

In 2025, workers' compensation insurance costs about $46 per month per employee for retailers and about $75 per month per employee for wholesalers. These numbers don’t include taxes and fees and can change based on your claims history and other factors.

Want more details on retail workers’ comp costs? Check out Workers’ Compensation Insurance for Retail Cost.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Wholesalers & Retail Stores

For more details on class codes, visit this detailed guide: Workers’ Comp Code for Retail Stores.

0360 - Third Party Logistics / 3PL

7360 - Freight Forwarding & Handling

8001 - Store: Florist & Drivers

8002 - Automobile & Car Rental Company

8006 - Self-Service Gasoline Station With Convenience/Grocery Shop

8008 - Store: Clothing, Apparel or Dry Goods

8010 - Store: Hardware

8013 - Store: Jewelry, Hearing Aids, Eye Glasses

8015 - Quick Printing-Copying or Duplicating Service

8017 - Retail Store

8018 - Wholesale Store

8018 - eCommerce & Mail Order

8033 - Supermarket / Grocery

8037 - Superstores And Warehouse Clubs

8039 - Department Store - Retail

8044 - Store: Furniture

8045 - Pharmacy

8293 - Warehouse - Furniture Moving & Storage

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Retailers and Wholesalers?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Helpful tips to save money

Choosing retailers & wholesalers compensation insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Retail and Wholesale Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Retail and Wholesale Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Retailers and Wholesalers

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

We sell retail through e-commerce websites and operate out of a warehouse setting without a brick and mortar storefront. How should we classify our business?

Due to the operations primarily occurring in a warehouse setting the applicable class code would be 8018 Wholesale and not 8017 Retail.

My retail store’s warehouse also handles online orders. Does that affect how it’s classified for workers' comp?

Yes, it can. If your warehouse generates more revenue from e-commerce sales than from the retail stores it supports, the warehouse will be classified under a wholesale code instead of a retail one. This is important to ensure your coverage is accurate.

State laws on Workers' Comp for Retailers and Wholesalers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Need other types of insurance for Retailers and Wholesalers?

Yes, we can help with that too!

Learn more about Retail and Wholesale Insurance

an art store employee assisting a customer in choosing a water color

A Guide to Workers' Comp Code for Retail Stores & Wholesale

a supermarket employee placing apples to a shelf

Workers’ Compensation Insurance for Retail Cost 2025

Workers' Compensation for Wholesalers: Protect your Business

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers comp for wholesalers & retail insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

    

Excellent 5 stars

Get Workers’ Compensation for Retailers and Wholesalers today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.