Typical retail injuries
The most frequent retail claims are strains from lifting boxes, slips and trips on wet floors or in stockrooms, cuts from blades and packaging, and falls from step stools. Workplace violence during robberies is a less common but serious exposure for late-night and cash-heavy stores.
Because many retail employees are part-time or seasonal, payroll can swing during the holidays. Estimating that payroll accurately up front helps avoid a large audit adjustment later.
How retail premium is set
Insurers classify stores by what they sell, such as clothing, hardware, groceries or furniture, because the physical work differs. Clerical staff and outside sales staff may qualify for lower-rated classifications when duties are kept separate.
Retail businesses that commonly request quotes
- Clothing and boutique stores
- Convenience and grocery stores
- Hardware and home goods
- Pharmacies and health stores
- Furniture and appliance retailers
- Specialty and gift shops
Retail stores workers comp by state
Requirements and rating rules vary by state. Choose your state for the essentials, including who must carry coverage and who oversees it.
Frequently asked questions
Do part-time and seasonal employees count?
Generally yes. Most states count part-time and seasonal workers when deciding whether coverage is required, and their wages are included in payroll for premium.
Does workers comp cover a customer who slips in my store?
No. Customer injuries are handled by general liability insurance. Workers comp covers your employees.
Can a family member who helps out be excluded?
It depends on the state and on whether the person is an owner, officer or employee. An agent can explain the options where your store is located.