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.
A (Excellent) Rated
Backed by Nationwide, every policy is written on A-rated paper.
Lower costs
Reward your client's safer behavior with performance-based dividends and 13% lower premiums.
Specialized expertise
Rely on 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
*Require >60% gross receipts from wholesale operations vs. retail.

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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.
Gear Manufacturing
Class Code: 3632

Bound Premium:
$69,583
Trucking
Class Code: 7219

Bound Premium:
$268,139
Parcel Delivery
Class Code: 7231

Bound Premium:
$196,029
Janitorial Services
Class Code: 9006

Bound Premium:
$117,925
Parcel Delivery
Class Code: 808

Bound Premium:
$211,430
Trucking
Class Code: 7219

Bound Premium:
$150,747
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 (if available)
Industry supplemental applications
