Insurance for wholesale & warehousing
As wholesale and warehouse operations grow, so do the risks of injuries from heavy lifting and repetitive motions. Protect your clients' essential employees and their bottom line with Kinetic's workers' compensation with built-in injury reduction technology.
Why choose Kinetic for workers' comp?
Smarter safety
Proactively prevent workplace injuries with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums, on average, by 13% with data-driven safety.
Specialized expertise
Rely on our industry expertise for tailored coverage and seamless claims handling.
Select class codes for wholesale & warehousing
We specialize in workers' comp for high-demand industries like:
- 7390/7392 Beer or Ale Dealer - Wholesale and Drivers
- 8001 Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers*
- 8018 Wholesale NOC
- 8032 Wholesale Clothing or Wearing Apparel or Dry Goods
- 8044/8015 Store - Furniture - Wholesale or Retail*
- 8292 Storage Warehouse NOC
- 8293: Storage Warehouse - Furniture & Drivers
*Require >60% gross receipts from wholesale operations vs. retail.
Wholesale & warehousing exclusions
- No chemicals
- No explosives
General exclusions
No Aircraft exposure; No Mid-term business, unless they are coming out for PEO or Captive; No business with less than 3 years of prior workers comp coverage upon policy inception date; No 1099 Exposure greater than 40%; No risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod; No Staffing Agencies; No USL&H; No Jones Act; No Maritime Employers Liability; No Foreign Coverage; No Retroactive policies; No Large risk alternative rating option (LRARO).
Ready to submit?
Submitting is simple. Just ensure your submission meets the minimum premium size of $50,000 and includes:
- ACORD 130
- Industry supplemental application
- Ex-mod worksheet
- Current year and prior 3 years loss runs valued no more than 120 days prior to effective date
- Target pricing (if known)
