Retail Workers Compensation Insurance

Retail Workers Compensation Insurance Program from PMC Insurance Group

PMC Insurance Group is proud to offer a comprehensive Retail Workers Compensation Insurance program specifically designed for retail businesses. As a trusted wholesale broker, PMC provides independent agents with access to competitive workers' comp markets across a wide range of retail classes. Whether your client is running a small specialty shop or a multi-location grocery chain, PMC's program is structured to help you place quality coverage that meets their operational needs.

Target Retail Classes

This program is built to support a wide spectrum of retail operations, including both established businesses and startups. PMC can write workers compensation coverage for the following types of retail accounts:

• Clothing Stores
• Grocery Stores & Supermarkets
• Convenience Stores
• Furniture Stores (including drivers)
• Hardware Stores
• Florist Shops
• Jewelry Stores
• Auto Parts Stores
• Book Stores
• Wholesale Store NOC

If you have a client in one of these categories, PMC can help you place coverage—even if it’s a new venture or startup business.

Program Highlights

PMC’s retail workers compensation program offers flexible underwriting and access to all available markets, including both admitted and non-admitted options. This ensures that agents can find suitable solutions aligned with their client’s risk profile, size, and budget. Carriers vary, allowing PMC to find the best fit based on class code, claims history, and payroll size.

Key coverage advantages include:

• Support for startup operations
• Minimum premiums starting at $2,000
• Access to multiple carrier options for competitive pricing
• Knowledgeable underwriters who understand retail business risks

Underwriting Considerations

PMC can accommodate a wide range of retail business sizes and risk profiles. The program has a minimum premium starting at $2,000, making it accessible for smaller operations. Accounts with prior losses may still be considered depending on the circumstances and class type.

For instance, you might have a client opening a new convenience store or a regional grocery chain looking to improve their current workers compensation terms—PMC can help you find the right market quickly and efficiently.

Available States

This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and PA. PMC writes business in all states except those with monopolistic workers compensation systems. The full list of available states includes:

AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY

Why Work with PMC Insurance Group?

PMC Insurance Group specializes in workers compensation solutions and offers deep experience in retail sector placements. With access to a wide array of carriers and a service-driven approach, PMC helps independent agents and brokers efficiently place accounts with confidence. Their underwriting team understands the unique exposures of retail operations—from employee lifting hazards in furniture stores to slip-and-fall risks in grocery aisles.

Partnering with PMC gives you the flexibility and support you need to deliver strong workers compensation options to your retail clients.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.