Retail
Class Code 8033: Store: Meat, Grocery & Provision (Combined)—Retail NOC — Workers' Comp Insurance
Covers grocery stores that also operate a full in-house meat-cutting and provision department, combining both operations under one classification. It reflects the added equipment and knife exposure of an in-store meat department layered onto standard grocery retail.
- Risk level:
- moderate
What code 8033 covers
Class 8033 applies to grocery stores that combine general food retail with a substantial in-house meat, poultry, or provision department, where butchers and meat-department staff cut, trim, and package meat on-site in addition to the store's general grocery operations. This combined classification exists because meat-cutting work carries knife and equipment exposure that a plain grocery store (8006) doesn't contemplate, while a standalone meat market has its own separate classification. Stores are typically evaluated for this code when the meat department is a genuine, staffed operation rather than pre-packaged meat received and simply shelved. Deli and prepared-food counters operating alongside the meat department are often part of the same combined exposure, though larger prepared-food operations may warrant a closer look.
Included operations
- In-store meat cutting, trimming, and packaging
- General grocery sales, stocking, and cashier duties
- Deli counter operations alongside the meat department
- Receiving and food-safety handling for perishable goods
Assigned elsewhere
- Grocery stores without an in-house meat-cutting department — see code 8006
- Standalone meat markets or butcher shops not combined with general grocery retail, evaluated under the applicable specific classification
- Restaurant or prepared-food dine-in service — see code 9082
- Bakery production operations — see code 2003
Businesses that typically carry 8033
- Full-service grocery stores with a butcher counter
- Supermarkets with an in-house meat department
- Combined grocery and meat markets
- 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 8033
- 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 8033 fits
Quote class code 8033.
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 8033 questions
What makes a grocery store fit this code instead of the plain grocery code?
A genuine in-house meat-cutting or provision department is the key factor — if staff are actively cutting and trimming meat on-site, this combined code typically applies.
Does this code cover the deli counter too?
Yes, a deli counter operating alongside the meat department is typically part of the same combined exposure.
What if the meat is all pre-packaged and just shelved?
A store that doesn't cut or process meat on-site would more likely fit the plain grocery classification instead.
Does a hot food or prepared-meals section change the classification?
A substantial prepared-food operation may warrant a closer look alongside restaurant-type classifications depending on scope.
Last reviewed · Reviewed by Provident Financial Group licensed agents