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Overview — Retail Industry Workers Compensation Insurance Don R. Jensen & Company offers a retail industry workers compensation program designed for independent agents and brokers who need reliable, competitively priced coverage for common retail exposures. Our appetite covers a broad set of retail classes — from small neighborhood shops to larger retail locations — with underwriting tailored to the operational risks retail employers face every day. Ideal Accounts and Appetite This program is a good fit for routine retail operations with standard premises and staffing patterns. Typical accounts include: Grocery stores and convenience markets Hardware and wholesale stores Gas stations and car washes Laundromats, barber shops, tanning salons, and florists Accounts with clear safety practices, routine inventory handling, and standard customer interaction exposures are most likely to receive favorable terms. Higher-risk retail operations (extensive food preparation beyond deli counters, heavy manufacturing on-site, massage/spa services with elevated liability concerns, or significant off-site operations) should be discussed with underwriting before submission. Coverage Highlights and Advantages Market access through Don R. Jensen & Company’s wholesale relationships — carriers vary to match the account. Competitive premiums and flexible options for standard retail classes. Experienced underwriting familiar with retail-specific loss drivers such as slips/trips, lifting injuries, and customer-related incidents. Practical submission requirements streamline review and placement. Underwriting Notes and Minimum Premium Underwriting evaluates operations, payroll breakdown, prior loss history, safety programs, and experience modification. Minimum premiums start at $2,000. To accelerate review and improve placement chances, include the following with each submission: Completed ACORD application Three years of currently valued loss runs Experience modification worksheet Send submissions and documentation to [email protected] for underwriting intake. Territories and Availability Don R. Jensen & Company places retail workers compensation across a wide set of states. This program is available in: 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, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WI. Admitted versus non-admitted placement will depend on the carrier and state regulations; underwriting will identify the appropriate market on submission. Example Accounts That Fit Well A neighborhood grocery with a steady staff and one location looking to renew with an improved loss control plan. A local hardware store seeking a market that understands retail operations and can offer a competitive workers compensation option at standard limits. Why Work With Don R. Jensen & Company As a wholesale broker, Don R. Jensen & Company provides access to multiple carriers and tailored underwriting for retail accounts. We help you place standard retail risks efficiently and offer responsive underwriting review when accounts require clarification. For more company information and additional coverage details, visit www.drjco.com. Frequently Asked Questions What types of retail accounts are a good fit for this program?Routine retail operations with customer-facing premises and standard inventory handling — grocery stores, hardware stores, laundromats, gas stations, barber shops, florists, and similar classes — are a strong fit. Accounts with unusual exposures should be discussed with underwriting first. What do you need to submit for a quick review?Include a completed ACORD application, three years of currently valued loss runs, and an experience modification worksheet. Email submissions to [email protected] to begin underwriting. Is this coverage available everywhere?The program is available in the states listed above. Whether coverage is provided on an admitted or non-admitted basis depends on the carrier and the state; underwriting will confirm placement options on a per-submission basis. What is the minimum premium?Minimum premiums start at $2,000. Final pricing is subject to the insured’s payroll, class codes, loss history, and selected carrier terms. Need help placing an account? Connect with a market specialist.