Retail
Class Code 8044: Store—Furniture & Drivers — Workers' Comp Insurance
Covers retail furniture stores, including sales floor staff and the store's own delivery drivers who handle and transport heavy furniture to customers. The delivery and heavy-lifting component is what sets this code apart from lighter retail classifications.
- Risk level:
- moderate
What code 8044 covers
Class 8044 applies to retail furniture stores, covering showroom sales staff, warehouse and stockroom employees who move and stage furniture, and delivery drivers who transport and set up furniture at customers' homes or businesses. Because furniture is bulky and heavy, this classification reflects more manual-handling exposure than lighter retail categories like apparel or jewelry, both in the showroom and especially during delivery and in-home setup. Stores that outsource delivery to a third-party carrier rather than using their own drivers may have a different payroll mix, which is worth clarifying during underwriting. Mattress and home-furnishings stores are commonly coded under this same classification given the similar merchandise and delivery exposure.
Included operations
- Showroom sales and customer assistance
- Furniture staging, warehousing, and stockroom handling
- In-home delivery and furniture setup
- Assembly of furniture items as part of delivery service
Assigned elsewhere
- Furniture manufacturing or upholstering operations, evaluated under the applicable manufacturing classification — see code 9521 for house furnishings installation and upholstering by contractors
- General department store furniture sections handled as part of a broader retail operation — see code 8039
- Third-party delivery/trucking companies not employed by the furniture retailer, evaluated under the applicable trucking classification
- Office furniture installation performed by outside contractors — see code 9521 or the applicable installation classification
Businesses that typically carry 8044
- Furniture and home-furnishings retailers
- Mattress stores
- Appliance and furniture combination stores
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
Code 8017
Smaller furniture or home-goods stores are sometimes coded as general retail without accounting for the delivery and heavy-lifting exposure specific to furniture.
Code 9521
In-home furniture assembly and installation work can start to resemble a contractor-style installation classification depending on the scope of service.
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What drives the cost of code 8044
- 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 8044 fits
Quote class code 8044.
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Class code 8044 questions
Does this code include our delivery drivers?
Yes, drivers who deliver and set up furniture for the store are part of this classification.
What if we use a third-party delivery service instead of our own drivers?
A third-party carrier not employed by the store would typically be evaluated under its own trucking classification rather than 8044.
Does in-home assembly count as installation work needing a different code?
Typical assembly done as part of furniture delivery is generally included; more extensive installation services may warrant a closer look.
Is furniture retail higher-risk than clothing retail?
Yes, the heavy lifting and delivery involved generally make furniture retail a higher-exposure classification than lighter goods like apparel.
Last reviewed · Reviewed by Provident Financial Group licensed agents