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' compensation?

Proactively predict, prevent, and manage workplace injuries with advanced safety tech built into every Kinetic policy.

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

*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).

Where we are seeing success

Kinetic partners are seeing success placing risk in industries where safety is key.

Parcel Delivery

Class Code: 0808  State: PA

Box
Bound Premium:
$444,028
Trucking

Class Code: 7219  State: MA

Truck
Bound Premium:
$124,898
Parcel Delivery

Class Code: 7231  State: MO

Box
Bound Premium:
$309,522
Parcel Delivery

Class Code: 7231  State: MD

Box
Bound Premium:
$380,142
Wholesaler & Warehouse

Class Code: 7360  State: CA

Warehouse
Bound Premium:
$119,432
Garbage/Refuse/Recycling

Class Code: 8500  State: CA

Garbage/Refuse/Recycling
Bound Premium:
$102,500
Hotel

Class Code: 9050 State: CA

Hotel
Bound Premium:
$184,924

Ready to submit?

Submitting is simple. Just ensure your submission includes:

ACORD 130

Current year and 3 prior policy periods of loss runs

Ex-Mod Worksheet (required for all parcel submissions, requested for other industries)

Industry supplemental applications