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Workers' Comp for Restaurants

Restaurants use NCCI 9082 (full-service) or 9083 (fast-food/quick-service). Bars and taverns use 9079. Cuts, burns, and slips drive most claims — moderate rates compared to construction trades but high frequency.

Common class codes for restaurants

9082 $1.50-$4.50
Restaurant — NOC
9083 $1.20-$3.50
Restaurant — Fast Food
9079 $2.00-$5.50
Restaurant — Bartender / Tavern
9072 $1.80-$5.00
Pizza Shop / Delivery — Restaurant

Why Restaurants workers' comp is tricky

Restaurants with significant alcohol sales (>50%) are coded as bars (9079) at higher rates. Delivery drivers may need separate auto coverage. Tipped employees create payroll auditing complications.

Tips to lower your restaurants premium

  • ✓ Track tipped wages separately for accurate payroll reporting
  • ✓ Pizza delivery has separate exposure — many carriers require non-owned auto
  • ✓ Slip mats and non-slip footwear policies earn schedule credits
  • ✓ Burns from fryers are the #1 claim — document fryer safety training

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Restaurants workers' comp by state

Rates, exemption rules, and rating bureaus for restaurants vary widely. Pick your state for restaurants-specific requirements and average rates:

Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27

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