Retail
Class Code 8018: Store—Wholesale NOC — Workers' Comp Insurance
Covers wholesale stores selling merchandise to other businesses rather than directly to consumers, when no more specific wholesale classification applies. It parallels the retail NOC code but is built around business-to-business distribution instead of consumer sales.
- Risk level:
- moderate
What code 8018 covers
Class 8018 applies to wholesale operations that sell goods to retailers or other businesses, covering counter and warehouse staff, order pickers, and drivers involved in fulfilling wholesale orders, when the specific merchandise sold doesn't fall under a more targeted wholesale classification. Wholesale operations typically involve more material handling, palletizing, and loading/unloading than a comparable retail store, since orders tend to be larger volume even though there's less walk-in foot traffic. As with the retail NOC code, the first underwriting question is whether a more specific classification exists for the particular goods distributed. Businesses that operate both a retail storefront and a wholesale distribution arm often need payroll split between this code and the applicable retail classification.
Included operations
- Order fulfillment and warehouse picking for wholesale accounts
- Counter sales to business customers
- Loading, unloading, and staging of wholesale orders
- Wholesale delivery drivers
Assigned elsewhere
- Retail sales direct to consumers at the same location — see code 8017 or the applicable specific retail code
- General warehousing and storage operations — see code 8292 (Storage Warehouse NOC)
- Building material dealer wholesale/yard operations — see code 8232
- Plumbers' supplies dealer operations — see code 8111
Businesses that typically carry 8018
- General wholesale distributors
- Business-to-business supply companies
- Wholesale merchandise distributors without a more specific classification
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
Code 8292
Pure storage and warehousing operations are sometimes coded as a wholesale store even when there's no active sales counter or order-fulfillment sales function.
Code 8232
Wholesale building material operations have their own dedicated classification rather than the general wholesale store NOC code.
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What drives the cost of code 8018
- 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 8018 fits
Quote class code 8018.
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Class code 8018 questions
What's the difference between this and the retail NOC code?
8018 applies to sales to other businesses (wholesale); 8017 applies to direct-to-consumer retail sales.
Does this code cover our warehouse staff?
Yes, staff picking, packing, and staging wholesale orders are part of this classification.
What if we sell both retail and wholesale from the same location?
Payroll is typically split between the wholesale and retail classifications based on how staff time is actually divided.
Are there more specific wholesale codes for certain products?
Yes, several product categories such as building materials and plumbing supplies have their own dedicated wholesale classification instead of the NOC code.
Last reviewed · Reviewed by Provident Financial Group licensed agents