Kinetic's wholesale & warehousing appetite
As wholesale and warehouse operations grow, so do the risks of injuries from heavy lifting and repetitive injuries.
Help protect your clients' essential employees and their bottom line with Kinetic's comprehensive workers' compensation with built-in injury prevention technology.
Benefits of coverage for wholesale & warehousing businesses
Tech-driven safety
Keep your clients ahead of workplace risks with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums on average 13% through optimized safety processes.
Specialized expertise
Industry experts, underwriters, and claims professionals deliver an exceptional, hands-on client experience.
Select class codes
- 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, may consider Parcel with more than 2 years of prior workers comp coverage; 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).
Submission requirements
- 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)
