Retail
Class Code 8006: Grocery, Tea or Coffee Dealer—Retail — Workers' Comp Insurance
Covers retail grocery stores selling packaged and fresh food items to consumers, including cashiers, stockers, and store staff. It's the standard classification for a typical grocery or convenience-style food store that doesn't operate a full meat or deli department under a combined code.
- Risk level:
- moderate
What code 8006 covers
Class 8006 applies to retail grocery stores, including stores focused primarily on packaged goods, produce, and general food items sold to consumers. It covers the store's cashiers, stockers, department staff, and store-operated delivery drivers. Grocery stores that also operate a substantial in-house meat-cutting or provision department are typically evaluated under a combined classification instead, since meat processing carries different equipment and injury exposure than general grocery stocking. The size and format of the store — from a small neighborhood grocer to a larger supermarket — factors into underwriting even though the classification itself is broadly written.
Included operations
- Cashier and front-end operations
- Shelf stocking and receiving of grocery merchandise
- Produce and general food department staff
- Store-operated delivery drivers
Businesses that typically carry 8006
- Neighborhood and independent grocery stores
- Convenience stores focused on packaged food and beverages
- Specialty food markets
- Small-format supermarkets
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
What drives the cost of code 8006
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Square footage, sales volume, and number of locations
- Whether the business has its own delivery drivers or uses third-party carriers
- Stocking, lifting, and equipment use such as forklifts, box cutters, or ladders
- Prior claims history and current experience modification factor
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 8006 fits
Quote class code 8006.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 8006 questions
Does this code cover a small meat or deli counter?
A limited counter may still fit here, but a full in-house meat-cutting department usually calls for the combined meat/grocery code instead.
What about convenience stores?
Convenience stores focused on packaged food and beverages are commonly coded under this classification, subject to review of any fuel or other operations.
Are store delivery drivers included?
Yes, delivery drivers working for the grocery store are part of this classification.
Does a prepared-food or hot-food section change the code?
It can — a significant prepared-food operation may need to be evaluated alongside a restaurant-type classification depending on scope.
Last reviewed · Reviewed by Provident Financial Group licensed agents