Retail
Class Code 8013: Store—Jewelry — Workers' Comp Insurance
Covers retail jewelry stores, including sales staff, and in most cases the light bench work involved in jewelry repair, sizing, and cleaning. It's a lower-hazard retail classification given the small scale of the merchandise and light equipment involved.
- Risk level:
- low
What code 8013 covers
Class 8013 applies to retail jewelry stores selling and servicing jewelry, watches, and similar items, covering sales associates, cashiers, and staff performing light bench work such as ring sizing, watch battery replacement, and jewelry cleaning or minor repair. The work is generally desk- and counter-based with small hand tools, which keeps the physical hazard relatively low compared to most other retail categories. Stores with a more substantial jewelry manufacturing or casting operation on-site may need that portion of the business evaluated under a manufacturing classification instead of the retail store code. Security considerations are part of typical underwriting for this class given the value of inventory, though that's a separate question from the workers' comp classification itself.
Included operations
- Sales floor and counter service
- Ring sizing, watch battery replacement, and minor repairs
- Jewelry cleaning and appraisal services performed in-store
- Cashier and inventory handling
Assigned elsewhere
- Jewelry manufacturing or casting operations performed at scale, evaluated under the applicable manufacturing classification
- Pawn shop operations combined with lending services, evaluated separately
- General department store or gift shop operations — see code 8017 or 8039 as applicable
- Watch/clock repair performed as a standalone repair business, evaluated separately if not paired with retail sales
Businesses that typically carry 8013
- Independent jewelry stores
- Jewelry chain store locations
- Watch and jewelry repair counters within a retail setting
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
Code 8017
A jewelry store carrying a broader mix of gift merchandise can sometimes be coded as general retail instead of the jewelry-specific classification.
Code 3179
A jewelry business that also does significant on-site casting or manufacturing can blend retail sales with manufacturing exposure that needs separate evaluation.
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What drives the cost of code 8013
- 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 8013 fits
Quote class code 8013.
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Class code 8013 questions
Does this code cover jewelry repair done in-store?
Yes, typical bench work such as sizing, battery replacement, and cleaning is included as part of normal jewelry store operations.
What if the store does its own casting or manufacturing?
A significant manufacturing operation is usually evaluated under a separate manufacturing classification rather than the retail jewelry code.
Is this a lower-cost class to insure?
It's a lower-hazard classification given the small-scale work involved, though your rate also depends on payroll, claims history, and state rates.
Does 8013 apply to watch repair shops that don't sell jewelry?
A standalone repair business without retail jewelry sales may need separate evaluation; we can confirm the right fit.
Last reviewed · Reviewed by Provident Financial Group licensed agents