What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for convenience and grocery store workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to a grocery employee’s dependents if the grocer is killed in a work-related incident.
In addition to helping grocery employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect convenience and grocery businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a grocer is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, convenience and grocery store injuries must:
have happened to a convenience or grocery store employee (not a vendor or independent contractor),
be the result of a convenience or grocery stores workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your convenience or grocery business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the convenience and grocery store industry. Below is one of the most common class codes in the industry.
8006 – Self-service and convenience gas station
8033 – Meat, grocery, and provision stores
8061 – Convenience and retail stores