Retail
Class Code 8381: Gasoline Station—Self-Service Only—Retail — Workers' Comp Insurance
Covers retail gasoline stations operating on a self-service-only basis, where customers pump their own fuel and staff handle cashiering, restocking, and light site upkeep. It does not apply to stations that also perform vehicle repair or that are primarily a convenience store with incidental fuel sales.
- Risk level:
- moderate
What code 8381 covers
Class 8381 applies to retail gasoline stations where fuel is dispensed exclusively through self-service pumps, covering cashiers, attendants, and other staff who work the register, restock the store, and handle routine upkeep of the pump islands and canopy area. Because customers pump their own fuel, the classification reflects a comparatively contained set of exposures — slip-and-fall, cashier duties, and general premises upkeep — rather than the mechanical, lift, and tool-related hazards found at a shop that also repairs vehicles. A station that adds even limited repair bays, oil changes, or tire service needs that portion of the business evaluated under a different, higher-hazard classification, and a station whose primary business is a convenience store with fuel pumps as an incidental add-on is more often assigned to the store's own retail classification instead.
Included operations
- Cashiering and point-of-sale operations at the station
- Restocking and light merchandising of an attached convenience area
- Routine upkeep of pump islands, canopy, and forecourt
- Fuel-price signage changes and pump-related customer assistance
- General premises cleaning and upkeep
Assigned elsewhere
- Vehicle repair, oil changes, or tire service performed on-site — see code 8380 (Automobile Service or Repair Center & Drivers)
- A convenience store whose primary business is retail merchandise with fuel sales as an incidental service — see code 8006
- Bulk fuel delivery or LP/propane gas dealer operations — see code 8350
- Car wash operations run as a distinct service, evaluated under the applicable classification
Businesses that typically carry 8381
- Standalone self-service gas stations
- Fuel-only station locations without an attached repair bay
- Branded fuel retailer locations
- Independently owned filling stations
- Gas station chains operating multiple self-service sites
- Fuel stations adjacent to but operationally separate from a convenience store
- Independent, owner-operated retail locations
- Regional and multi-location retail chains
Common misclassifications
Code 8380
A station that adds even limited repair, oil-change, or tire service is sometimes left entirely under the self-service-only code instead of splitting payroll for the higher-hazard repair work.
Code 8006
A location that's really a convenience store with fuel pumps as a secondary offering is sometimes coded as a gas station instead of under its primary retail classification, when the mix of business points the other way.
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What drives the cost of code 8381
- 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 8381 fits
Quote class code 8381.
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Class code 8381 questions
Does this code cover a station that also changes oil or does minor repairs?
No, any on-site vehicle repair, oil-change, or tire service is evaluated under a different, higher-hazard classification, such as code 8380.
What if our station is really more of a convenience store that happens to sell gas?
A location whose primary business is convenience-store retail with fuel as a secondary offering is often coded under the store's own retail classification rather than as a gas station.
Does this code apply if we offer any full-service pumping?
This classification is specific to self-service-only fuel dispensing; a station offering full-service pumping may need a different classification depending on how that service is structured.
Are cashiers and attendants covered under this code?
Yes, staff working the register, restocking the store, and maintaining the forecourt are part of this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents