What is Jewelry and Eyewear Stores Workers Compensation (class code: 8013)?
Workers compensation for jewelry and eyewear stores (class code 8013) is a state-mandated insurance program that covers medical care and a portion of lost wages for employees injured on the job. This coverage applies to retail settings where goods such as jewelry, watches, eyeglasses, and related repair services are sold or performed. It complements other business insurance lines like commercial liability and property coverage to manage overall risk.
Who needs it
Any employer with paid staff working in a jewelry or eyewear retail location typically needs this coverage. That includes store owners, sales associates, bench jewelers, watch repair technicians, opticians, and delivery drivers. Retailers with in-store repair shops or small manufacturing operations may see overlapping exposures similar to those discussed in the Optical Goods and Lens Manufacturing Workers Compensation (class code: 4150).
What it typically covers
Workers compensation generally covers:
- Medical treatment for work-related injuries and illnesses
- Partial wage replacement during periods when an employee cannot work
- Rehabilitation services and vocational assistance when required
- Death benefits to dependents in the rare event of a fatal workplace injury
Common workplace exposures include cuts from tools, burns from soldering or equipment, repetitive strain injuries from fine assembly work, and slips or falls in retail spaces. For businesses with storage or shipping functions, exposures can resemble those found in other retail categories such as Retail Clothing Stores Workers Compensation (Class Code 8008).
Common exclusions or limitations
Typical exclusions include injuries that occur outside the course of employment, intentional self-harm, and injuries covered by alternative compensation systems. Many policies also exclude injuries arising from employees’ intoxication or from activities outside the scope of normal job duties. Employers should review policy language for specific limitations and statutory exceptions in their state.
Factors that influence cost
Premiums are influenced by payroll size, number of full-time employees, job duties (e.g., bench jeweler vs. cashier), claims history, and state-specific experience rating. Having in-store repair or light manufacturing increases exposure and may raise rates, similar to considerations for Furniture Stores Workers Compensation (class code: 8015). Effective loss control—such as training on tool safety, proper storage, and ergonomic workstations—can lower costs over time.
Proof of insurance & compliance
Employers must keep up-to-date certificates of insurance and post required workplace notices. Proof of coverage may be requested by landlords, lenders, or local authorities. Requirements and forms vary by state, so maintain records in case of audits or claims.
How to get a quote
To get accurate pricing, insurers will ask about payroll, job classifications, past claims, and safety programs. You can talk to your agent to compare carriers, or use an online marketplace to gather multiple offers quickly; for an immediate estimate, visit talk to your agent.
Frequently Asked Questions
Do part-time employees need workers compensation?
Yes. Most states require workers compensation coverage for part-time workers if they are paid employees and the employer meets state thresholds.
Are independent contractors covered?
Independent contractors are usually not covered unless the policy or state law specifically includes them. Verify classification with your carrier to avoid coverage gaps.
Will a minor injury always increase my premium?
Not necessarily. Insurers consider the frequency and severity of claims. A single minor claim may have limited impact, while repeated or costly claims can raise premiums.
Still have questions? Talk to a local insurance expert.