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Retail Workers Compensation Insurance Program from PMC Insurance Group PMC Insurance Group is proud to offer a comprehensive Retail Workers Compensation Insurance program specifically designed for retail businesses. As a trusted wholesale broker, PMC provides independent agents with access to competitive workers' comp markets across a wide range of retail classes. Whether your client is running a small specialty shop or a multi-location grocery chain, PMC's program is structured to help you place quality coverage that meets their operational needs. Target Retail Classes This program is built to support a wide spectrum of retail operations, including both established businesses and startups. PMC can write workers compensation coverage for the following types of retail accounts: Clothing Stores Grocery Stores & Supermarkets Convenience Stores Furniture Stores (including drivers) Hardware Stores Florist Shops Jewelry Stores Auto Parts Stores Book Stores Wholesale Store NOC If you have a client in one of these categories, PMC can help you place coverage—even if it’s a new venture or startup business. Program Highlights PMC’s retail workers compensation program offers flexible underwriting and access to all available markets, including both admitted and non-admitted options. This ensures that agents can find suitable solutions aligned with their client’s risk profile, size, and budget. Carriers vary, allowing PMC to find the best fit based on class code, claims history, and payroll size. Key coverage advantages include: Support for startup operations Minimum premiums starting at $2,000 Access to multiple carrier options for competitive pricing Knowledgeable underwriters who understand retail business risks Underwriting Considerations PMC can accommodate a wide range of retail business sizes and risk profiles. The program has a minimum premium starting at $2,000, making it accessible for smaller operations. Accounts with prior losses may still be considered depending on the circumstances and class type. For instance, you might have a client opening a new convenience store or a regional grocery chain looking to improve their current workers compensation terms—PMC can help you find the right market quickly and efficiently. Available States This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and PA. PMC writes business in all states except those with monopolistic workers compensation systems. The full list of available states includes: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work with PMC Insurance Group? PMC Insurance Group specializes in workers compensation solutions and offers deep experience in retail sector placements. With access to a wide array of carriers and a service-driven approach, PMC helps independent agents and brokers efficiently place accounts with confidence. Their underwriting team understands the unique exposures of retail operations—from employee lifting hazards in furniture stores to slip-and-fall risks in grocery aisles. Partnering with PMC gives you the flexibility and support you need to deliver strong workers compensation options to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of retail businesses, including clothing stores, supermarkets, hardware shops, and even startup operations. Can PMC help with new ventures or startups?Yes, PMC can write workers compensation coverage for startup retail businesses with a minimum premium starting at $2,000. Is the program available nationwide?The program is available in most states, excluding those with monopolistic workers comp systems. A full list of eligible states is provided above. What is the minimum premium for this program?The minimum premium starts at $2,000, making it accessible for small and mid-sized retail operations. What carriers are used in this program?PMC works with various carriers across all available markets, allowing flexibility in matching the right carrier to each account’s needs. Need help placing an account? Connect with a market specialist.

BTIS – Builders & Tradesmens Insurance Services, Inc. offers a fast, easy solution for placing small, single-location businesses through its Small Main Street BOP program. Built for independent agents who need reliable markets for lower-premium commercial accounts, this program delivers broad BOP coverage, flexible options (including commercial auto, inland marine and workers’ compensation), competitive pricing, and a straightforward online rater. Use the BOP Rater for instant indications and quick binds so you can serve retail and professional clients with minimal paperwork. Ideal Accounts and Appetite This BOP program is tailored to main-street businesses operating from a single location. Strong fits include: Retail bakeries and specialty food shops Florists Coffee shops and small cafés Medical and dental offices (low-risk specialties) Law and accounting offices Small tech, web design, and creative firms Veterinary clinics (non-surgical/local) Other small professional and retail classes Generally best for stable, single-location risks with straightforward operations and clean loss histories. Accounts with high hazard operations, multiple locations, habitational exposures, or significant liquor/liability exposures may be outside the appetite. Coverage Highlights and Advantages Admitted carriers rated A XV by A.M. Best Minimum premiums starting at approximately $350–$400 Available add-ons: Commercial Auto, Inland Marine, Workers' Compensation, and other coverages Competitive commission on ratable classes through the BOP Rater Instant price indications—no ACORD applications required for initial indications No production quotas, membership, or broker fees The program is designed to let you quote, bind, and issue lower-premium BOP accounts quickly while still offering admitted paper where available. Underwriting Notes and Minimum Premiums Underwriting emphasizes speed and simplicity. The BOP Rater provides immediate indications for many common classes, reducing the need for full ACORD applications during initial quoting. Minimum premiums generally fall in the $350–$400 range depending on class and location. Expect routine eligibility questions about prior losses, business operations, and property condition for binding. Territories and Availability Available in the vast majority of the continental U.S.: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With BTIS? BTIS is a managing general agency focused on agent-first service, fast turnaround, and practical rating tools. The Small Main Street BOP program gives you access to admitted, highly rated carriers without production strings or membership fees. Whether you need a quick indication for a corner coffee shop or a bundled package for a small professional office, BTIS’s platform is built to move lower-premium commercial business from quote to bind efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Single-location small businesses such as coffee shops, florists, medical or law offices, and small tech firms are ideal candidates for the Small Main Street BOP program. Is the program available in all states?The program is available in most of the continental U.S., including over 45 states and Washington, DC; availability can vary by class and carrier. What is the minimum premium?Minimum premiums typically range from about $350 to $400, depending on the class and the insured’s location. Do I need to submit ACORD forms to get a quote?No—initial pricing is available instantly through the BTIS BOP Rater without submitting ACORD applications. Full applications may be required to bind certain coverages. Are there production requirements or fees for agents?No. There are no production quotas, membership, or broker fees associated with this program. Need help placing an account? Connect with a market specialist.