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Workers' Comp for Retail Stores

Retail (NCCI 8017 NOC) is one of the lowest-risk class codes outside of office work. Specialty retail (clothing 8008, jewelry 8013, hardware 8010) may have their own codes with slight rate variation.

Common class codes for retail stores

8017 $1.00-$3.50
Store — Retail NOC
8008 $0.60-$2.00
Store — Clothing or Apparel
8010 $1.50-$4.20
Store — Hardware
8013 $0.30-$0.90
Store — Jewelry
8044 $1.50-$4.00
Store — Furniture

Why Retail workers' comp is tricky

Retail with significant warehouse or stocking exposure can be reclassified — pure storefront vs warehouse distribution have very different rates.

Tips to lower your retail premium

  • ✓ Pure storefront retail = lowest rates
  • ✓ Stockroom/warehouse exposure may trigger 8292
  • ✓ Holiday seasonal employees should be reported separately

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Retail workers' comp by state

Rates, exemption rules, and rating bureaus for retail stores vary widely. Pick your state for retail-specific requirements and average rates:

Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27

More retail workers' comp resources