Workers Comp Class Code 8017 — Retail Stores — General MerchandiseNew York
Retail store operations selling general merchandise, clothing, electronics, and other consumer goods across New York State — from Manhattan boutiques and department stores to big-box retailers in suburban NY.
How Have New York Workers Comp Rates Changed Over the Last 5 Years?
Source: NYCIRB loss cost rates. Actual carrier rates may vary.
How Much Does New York Workers Comp Cost for This Class Code?
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval.
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What Jobs Are Covered Under This New York Class Code?
- ▸ Retail clerk
- ▸ Stock person
- ▸ Store manager
- ▸ Cashier
- ▸ Loss prevention officer
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Slip and fall — NY retail environments, particularly in NYC's high-traffic stores, generate some of the highest slip-and-fall claim rates in the country
- ⚠ Back strain from stocking and receiving operations, particularly in stores with high-bay storage
- ⚠ Robbery and violence — NYC retail stores experience robbery rates significantly above the national average
- ⚠ Repetitive strain from cashiering and scanning operations
- ⚠ Struck by falling merchandise from high shelving
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Brooklyn retail stock person is injured when a 60-lb box falls from an 8-foot shelf during restocking — lumbar disc herniation, surgery, and 8 months of lost wages at NY's $1,145/week maximum resulted in $142,000 in workers comp costs. NYC's retail density — particularly in Brooklyn and Queens — creates a high-volume workers comp claim environment that drives NYCIRB rates above the national average for retail.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Retail businesses in NY — from small boutiques in Manhattan to mid-size clothing stores in Queens — are required to carry workers comp for all employees, including part-time and seasonal workers. NY's retail workers comp market has tightened significantly as standard carriers adjust for NYC's high slip-and-fall claim frequency. PEO group workers comp programs accept retail businesses of all sizes, bill monthly on actual payroll (eliminating the large upfront deposit for seasonal hiring), and provide the certificate of insurance needed for NYC business licensing.
NY Rate Context
NY retail rates at $4.45/100 are 18% above the national NCCI average for retail, driven by NYC's high slip-and-fall claim frequency, the robbery and violence exposure of NYC retail environments, and NY's elevated wage replacement benefits. The rate has increased 14% over 5 years as NYCIRB adjusts for the growing volume of slip-and-fall and violence-related claims from NYC retail operations. NYC's retail density — with over 75,000 retail establishments — makes it the largest single contributor to NY's retail workers comp claim pool.