Workers' compensation for wholesale and warehousing

With a rich background of working with Fortune 500 wholesale and warehousing accounts, Kinetic offers claims intelligence and a dedicated team of experts support their unique needs.

Wholesale and warehousing class codes we cover

Kinetic workers' comp is built for accounts with a $50,000 minimum premium. Below is a selection of covered classes, view our full class list for everything in appetite:

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.

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).

 

Why brokers place wholesale & warehousing accounts with Kinetic

Real-time claims intelligence, an expert team, and dividends.

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Save at every
stage

Qualifying accounts earn up to a 26% dividend for prioritizing safety and return-to-work.

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Better claims
control

Claims intelligence surfaces real-time insights, so claims keep moving instead of stalling and accruing cost.

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Expertise when it
matters most

An expert-led team guides your client through claims, return-to-work, and loss control.

Where we're seeing success

Kinetic partners are writing frontline workers' compensation accounts across the country and seeing measurable results.
Parcel Delivery

Class Code: 0808  State: PA

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Bound Premium:
$309,929
Manufacturing

Class Code: 2812  State: CA

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Bound Premium:
$91,113
Janitorial

Class Code: 9008  State: CA

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Bound Premium:
$189,347
Parcel Delivery

Class Code: 7231  State: CT

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Bound Premium:
$200,450
Hotel

Class Code: 9050  State: CA

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Bound Premium:
$238,197
Parcel Delivery

Class Code: 7231  State: GA

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Bound Premium:
$228,493
Janitorial

Class Code: 9008 State: CA

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Bound Premium:
$205,855

Send in your wholesale or warehousing submission

Email your client's details, including:

ACORD 130

Current year and 3 prior policy periods of loss runs

Ex-Mod Worksheet

Industry supplemental applications

Frequently asked questions about workers' comp for wholesale & warehousing

What is the minimum premium for wholesale & warehousing accounts?

$50,000. Wholesale & warehousing accounts below that threshold fall outside our current appetite.

View our full appetite and exclusions.

What type of wholesale & warehousing clients are a good fit for Kinetic Insurance?
Kinetic is built for employers looking for a strategic partner invested in the long-term direction of their workers' compensation policy. Businesses that choose us want a partner who is engaged, deeply understands their business, and is an active guide throughout the policy period.
What questions should I ask prospective warehousing clients?

Warehouses present unique risks and opportunities. These questions help you understand their environment:
 
- What percentage of their workforce handles heavy lifting or operates machinery?

- What type of machinery is used (e.g., forklifts, pallet jacks, conveyors)?

- Are equipment operators certified? How often are they re-evaluated or re-certified?

- Is machinery inspected before each shift?

- Who handles maintenance and how is it documented?

- Do they have a regular housekeeping program to keep aisles clear, spills cleaned promptly, and debris or packaging waste under control?

 - What return-to-work program is in place? How are work restrictions handled?

How much can policyholders earn in dividends?
Up to 26%, for qualifying accounts who maintain a safe work environment and put a strong return-to-work program in place.
How do I submit accounts for underwriting review?
Submissions can be sent 90 days before the policy effective date. Email them to submissions@kineticcomp.com. Incomplete submissions won't be reserved.

Ready to submit an account?

Existing clients

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