What is Stores/Garden Supplies,NOC Workers Compensation (class code: 8004)?
Stores/Garden Supplies, NOC (Not Otherwise Classified) Workers Compensation (class code: 8004) is a workers’ compensation classification used by insurers to group retail operations that sell garden supplies, small nursery items, and related products when no more specific class applies. The coverage is focused on workplace injury benefits for employees rather than general liability for customers or property.
Who needs it
Typical buyers include small retail operators and garden center staff, seasonal nursery workers, greenhouse employees, and light-delivery drivers employed by the store. Some related retail sectors have their own classes — for example, specialized grocers can use the Stores Fruits-Vegetables classification like Stores Fruits-Vegetables Workers Compensation (Class 8006-2) when appropriate, while feed and farm supply outlets may fall under Feed/Tack/Farm Supply Stores Workers Compensation (class code: 8117).
What it typically covers
Workers compensation for this class generally provides medical treatment, wage replacement, and disability benefits for employees hurt on the job. It interacts with other commercial coverages such as commercial liability and property coverage when incidents involve third parties or store property. Employers may also consider equipment coverage and participant accident coverage for special on-site activities or demonstrations.
Common elements include:
- Medical and rehabilitation expenses for injured workers
- Temporary or permanent disability benefits
- Death benefits to dependents in fatal cases
Common exclusions or limitations
Standard limits and exclusions can vary by policy and insurer. Typical exclusions may include intentional acts, injuries sustained off-premises unrelated to work tasks, or independent contractors not carried on the payroll. Underwriting factors can also lead to specific endorsements or limitations for hazardous tasks, such as heavy equipment use or significant delivery operations common in some supply stores like Welding Supply Store Workers Compensation (class code 8110).
Factors that influence cost
Premiums depend on payroll size, the mix of job duties (e.g., cashier vs. delivery driver), claim history, and state-specific rate filings. Risk management practices — such as safety training, proper equipment storage, and clear safe-lifting procedures — can reduce exposures and lower rates. Other considerations include the frequency of customer interactions (facility risks), transportation exposures for deliveries, and whether seasonal labor increases total payroll.
Proof of insurance & compliance
Most states require proof of workers compensation coverage for employees. Insureds typically provide certificates of insurance to landlords, business partners, or municipal permits. Maintaining accurate payroll records and job descriptions helps ensure the correct classification and supports compliance during audits. If your operation is more specialized (for example, a mixed retail and farm-supply operation), compare classifications such as Feed/Tack/Farm Supply Stores Workers Compensation (class code: 8117) to determine proper coverage.
How to get a quote
To get a quote, gather payroll estimates by job class, a description of operations, and recent loss runs if available. Discuss your operations, safety programs, and full-time versus seasonal staffing when you talk to your agent. If you’d like an online start, you can also request a quote directly here: talk to your agent.
Frequently Asked Questions
Is workers compensation required for part‑time or seasonal employees?
Requirements vary by state, but many states require coverage for all employees once payroll or hours thresholds are met. Check state rules and consult your broker for specifics.
Can my store be classified under a different code?
Yes. If a store’s operations match a more specific class (for example, specialized welding supplies or agricultural feed), your insurer may assign a different class code that better reflects the risk.
Will workers compensation cover injuries to customers on my property?
No. Workers compensation covers employee injuries. Injuries to customers or the public are typically handled under commercial general liability or premises liability coverage.
Still have questions? Talk to a local insurance expert.