Retail
Class Code 8045: Store—Drug—Retail — Workers' Comp Insurance
Covers retail drug stores and pharmacies, including pharmacists, pharmacy techs, and front-of-store retail staff. It's a lower-hazard retail classification given the counter- and shelf-based nature of the work.
- Risk level:
- low
What code 8045 covers
Class 8045 applies to retail drug stores and pharmacies, covering pharmacists and pharmacy technicians filling prescriptions, along with cashiers and sales staff working the front-of-store retail section that typically accompanies a pharmacy. The work is largely counter- and shelf-based, with the pharmacy operation itself involving careful, precision tasks rather than heavy physical labor. Larger drug store chains that also operate a photo lab, clinic, or expanded grocery section may need those specific operations reviewed as part of underwriting. This code is distinct from a hospital or institutional pharmacy, which is typically evaluated as part of the larger health care facility's classification.
Included operations
- Prescription filling and pharmacy counter operations
- Front-of-store retail sales and cashier duties
- Stocking and receiving of pharmacy and general merchandise
- Basic health screening services offered at the pharmacy counter
Assigned elsewhere
- Hospital or institutional pharmacy operations — evaluated under the applicable hospital classification, see code 8833
- Grocery sections operated at supermarket scale within the store, evaluated separately
- Drug manufacturing or compounding at scale, evaluated under the applicable manufacturing/laboratory classification
- Medical clinic services offered on-site beyond basic screenings, evaluated separately
Businesses that typically carry 8045
- Independent pharmacies
- Retail drug store chain locations
- Pharmacy counters within a larger retail store
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
- Strip-mall and shopping-center storefronts
- Franchise retail locations
Common misclassifications
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What drives the cost of code 8045
- 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 8045 fits
Quote class code 8045.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 8045 questions
Does this code cover pharmacists specifically?
Yes, pharmacists and pharmacy technicians filling prescriptions are part of this classification.
What about the general merchandise section of a drug store?
Typical front-of-store retail sales are included; a large grocery or general-merchandise section may need closer review depending on scale.
Does 8045 apply to a hospital's in-house pharmacy?
No, hospital pharmacy operations are typically evaluated as part of the hospital's own classification rather than this retail code.
Are basic flu shots or health screenings at the pharmacy covered under this code?
Basic screening services offered at the counter are typically contemplated; more extensive clinic services may need separate evaluation.
Last reviewed · Reviewed by Provident Financial Group licensed agents