Florida Workers' Comp for Retail Stores

Name: Workers' Compensation Insurance for Retailers in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for retail stores and boutiques

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Why do Retailers in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a retail business in Florida means managing foot traffic, inventory, and a busy environment where accidents can happen. From slips and falls to lifting injuries, retail workers face daily risks that can impact your business.

Workers’ compensation insurance protects your employees if they’re injured on the job and shields your business from medical expenses and legal claims. Keep your store safe, compliant, and ready for anything with the right coverage.

Common Retail injuries

Slips and falls – Wet floors or uneven surfaces can lead to bruises, fractures, or broken bones.
Repetitive strain – Repeated lifting or pushing often results in muscle strains or sprains.
Cuts and punctures – Sharp tools like box cutters can cause hand and finger injuries.
Falling objects – Items toppling from shelves can cause serious injuries.
Vehicle accidents – Delivery drivers face high-risk, high-cost claims.

Workers' Comp for Retailers in Florida: Legal Requirements

In Florida, retail businesses with four or more employees are required by law to carry workers' compensation insurance. This includes all staff, such as cashiers, stock clerks, and delivery drivers, whether they work full- or part-time.

Failure to comply with this requirement can lead to severe consequences, such as fines and stop-work orders. Learn more about Florida Workers’ Compensation Rules here.

Common types of Retail workers we can insure in Florida

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 Retail workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Retail Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Retailers in Florida cost per month?

The average cost of workers' compensation insurance for retail stores in Florida is $1.20 per $100 of payroll, which translates to approximately $27 per month per employee.

However, your actual rates may vary depending on factors such as payroll size and claims history. For more detailed information on how workers' comp rates are determined for retail businesses, check out our guide: Workers’ Comp Rates for Retail Stores.

What's the cost based on?

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

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 Florida Retail

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.

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Retail business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing retailers 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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 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 Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Retailers in Florida

I have a retail e-commerce store. Does it get covered under a retail workers’ comp policy?

No, it doesn’t. Due to the shipping component, e-commerce businesses are typically classified as wholesale rather than retail. Make sure your workers’ comp policy accurately reflects your business classification to avoid issues with coverage.

My retail store has busier months during the holidays and slower periods afterward. How can I avoid paying high premiums when I have fewer workers during slow months?

A pay-as-you-go workers' compensation policy could be a great solution. This allows you to adjust your payments based on your actual payroll, so you’re not overpaying during slower times.

However, pay-as-you-go might not work for every business. Read our pay-as-you-go workers' comp blog to see if it's the right choice for you.

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for 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

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The Ultimate Guide to Workers' Comp Insurance

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

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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