Affordable Business Solutions for Retailers
Business Services
NHPA partners with a handful of service providers to offer retailers affordable options for insurance and loans, designed with the independent retailer in mind.
American Hardware & Lumber Insurance
American Hardware & Lumber Insurance provides various insurance-related services to independent home improvement retailers, including insurance agency services and educational resources.
Small Business Loans
Whether you’re looking to build, buy or expand your business, Live Oak Bank offers small business loans to independent retailers.
Health Insurance
Finding affordable group health insurance can be challenging. The NHPA Health Insurance Plan is designed to save retailers money without having to sacrifice benefits.
Retailer Resources
Ohio Workers’ Compensation
Did you know that many alternative discounts are available to help reduce your annual Ohio workers’ compensation costs? Through the Sedgwick workers’ compensation program, your organization can significantly reduce your workers’ compensation costs through a variety of alternative rating programs. Sedgwick offers you quality service and stability through the complex workers’ compensation environment.
For over 50 years, Sedgwick has been helping employers navigate Ohio’s workers’ compensation system, providing services to help them control claim-related costs and reduce premiums. Sedgwick serves nearly 65,000 Ohio employers including organizations of all sizes operating in various industries across the state. Group rating programs administered by Sedgwick have produced over $4 billion in savings since group rating was introduced in 1991, and their group retrospective programs have returned over $1 billion in premium refunds since the program began in 2009.
If your organization is not yet participating in this member benefit, and you would like to receive a free, no-obligation analysis from Sedgwick, email Julia Bowling at julia.bowling@sedgwick.com or to apply online here.
Contact Sedgwick
Julia Bowling
Phone: 513-218-4062
Email: julia.bowling@sedgwick.com
Website: www.sedgwick.com/ohiotpa
Sedgwick Safety Resource Page
Click here to download a copy of the Group Rating Safety Accountability letter.
Workers’ compensation premiums include the cost of the following BWC’s safety services for Ohio employers:
- Experts: Specialists in industrial safety, construction safety, industrial hygiene and ergonomics.
- Training center: Offers 75 occupational safety and health courses in classrooms around the state, and six online courses.
- Library services: Provides information, research and training aids.
- Safety councils: 80 local safety councils throughout Ohio host monthly meetings promoting safety through informative talks and networking, presenting annual awards and offering premium rebates to eligible employers. Additional costs may be associated with monthly meetings.
- Safety grants: Grants and loans for purchasing equipment and conducting drug-free workplace training.
- Video library: A lending library of safety and health training videos.
- BWC website: Online safety publications, tools and resources.
- Consultation services: On-site safety and health consultation services for Ohio employers, including public and private employers.
- Safety Congress & Expo: Free, annual conference is the largest state conference of its kind.
How to reach BWC’s Division of Safety & Hygiene
Phone: 1-800-OHIOBWC
Email: safety@bwc.state.oh.us
Important Links
- 2026 Why Sedgwick
- 2026 Group Rating New Employers
- 2026 Group Retro Rating New Employers
- 2026 Payroll and True Up
- 2026 Safety Intervention Grant Program
- 2026 Supervisor Procedure Checklist
- 2026 Unemployment Claims Solutions
- 2023 Accountability Letter
- Authorization to Review Information
- BWC Website Navigation Guide
- C-159 Recreational Activities Waiver
- Drug Free Workplace Program – July 2023
- Employee Engagement in Safety
- Navigating Ohio Work Comp System – August
- OSHA Recordkeeping and Recording Changes (Effective 8-1-16—6-8-16)
- Salary Continuation Documentation
- Sedgwick
- Sedgwick Rebrands
- Sedgwick Workers’ Compensation Premium
- OSHA 300 Submission
- When an Accident Occurs
Additional Resources
Prescription Savings Card
Looking for an alternative way to save money on prescription medications? Now available through NHPA, the RxCut® savings card may be able to help. Retailers can download, use and distribute the prescription savings card to employees and their families. No sign up, financial commitment or participation in the NHPA Health Insurance Plan is required. Anyone may use the savings card, regardless of primary insurance provider.
For more information and to download the RxCut® savings card, click here.
Wingate Nationwide Classified
Wingate Nationwide Classified is a website designed for retail trade, offering retailers a service to sell and buy fixtures and equipment. The site gives retailers the opportunity to find and buy price merchandise directly from the seller.
Additionally, the site offers a place for retailers to advertise stores for sale on a national scale, without alerting customers of the upcoming change. The website offers fixture and equipment services, stores for sale and off-price merchandise.
For more information on the programs and services available visit Wingate Nationwide Classified online.
Federal Law Posters
Below is a list of posters for retailers that are required by federal law to post in their businesses to explain and list employee rights and responsibilities.
- Equal Employment Opportunity is the Law poster
- Employee Rights – Employee Polygraph Protection Act poster
- OSHA Job Safety and Health poster
- Your Rights Under USERRA – The Uniformed Services Employment and Reemployment Rights Act poster
- Employee Rights – Under the Fair Labor Standards Act
- Employee Rights and Responsibilities – Under the Family and Medical Leave Act
Alliance to Save Energy
The Alliance to Save Energy offers free lighting tips in an effort to help educate home improvement retailers and their employees about new energy-efficient lighting options.
The U.S. Department of Energy provides valuable information such as the monetary value of energy-saving bulbs, how to choose the right bulb and how to better understand new lighting packaging labels.
Click here to learn more about the new lighting packaging labels, frequently asked questions and more.
Human Resources
Group Management Services takes on human resources tasks that many small and midsize businesses don’t have the time or expertise to effectively manage, such as payroll and risk management.
