Retail
Class Code 8017: Store—Retail NOC — Workers' Comp Insurance
The catch-all classification for retail stores that don't fit a more specific store code, such as general merchandise, gift, or specialty shops. It's one of the most commonly used retail classifications when a business doesn't match a named category like grocery or clothing.
- Risk level:
- moderate
What code 8017 covers
Class 8017 applies to retail stores selling merchandise directly to consumers where no more specific NCCI store classification applies to the products sold. It covers sales floor staff, cashiers, and stockroom employees handling typical retail merchandise, along with the store's own delivery drivers where applicable. Because it's an NOC (not otherwise classified) code, the first underwriting question is usually whether a more specific classification exists for what the store actually sells — grocery, clothing, hardware, furniture, and several other categories each have their own dedicated code. Stores selling a broad mix of merchandise, such as general/variety stores, are typically the clearest fit for 8017.
Included operations
- Sales floor and cashier duties
- Stocking shelves and receiving merchandise
- Customer service on the retail floor
- Store-operated delivery drivers
- Back-office and clerical work tied to store operations
Businesses that typically carry 8017
- General merchandise and variety stores
- Gift and specialty shops
- Bookstores
- Sporting goods stores without a more specific code
- Home décor and specialty retailers
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
Common misclassifications
Code 8039
Larger general-merchandise stores with multiple departments are sometimes coded as a basic retail store instead of the department-store classification.
Code 8010
Stores selling a mix of hardware and general merchandise sometimes default to the NOC code instead of the more specific hardware classification.
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What drives the cost of code 8017
- 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 8017 fits
Quote class code 8017.
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 8017 questions
How do I know if my store should use 8017 or a more specific code?
If your products fall into a category with its own dedicated code — grocery, clothing, hardware, and others — that more specific code generally applies instead of 8017.
Does this code include the store's own delivery drivers?
Yes, drivers delivering merchandise for the store are typically included in this classification.
What if the store sells several different types of merchandise?
A genuinely mixed-merchandise store is often the clearest fit for the NOC code, but we review the specific product mix to confirm.
Is 8017 considered high or low risk?
It's a moderate classification — sales floor and stocking work carries more physical activity than a pure office job but less than warehouse or contracting work.
Last reviewed · Reviewed by Provident Financial Group licensed agents