Workers' Comp Insurance for Restaurants Businesses in Arkansas

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 in Arkansas. The Arkansas workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.83 per $100 of payroll.

Arkansas requirements for restaurants businesses

When required: Required for employers with 3 or more employees; 2+ in construction.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Officers can be excluded by filing form with the Workers' Compensation Commission.

Restaurants class codes used in Arkansas

Why restaurants workers' comp is tricky in Arkansas

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 for Arkansas restaurants

• ✓ 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

Restaurants workers' comp in other states

Rates and requirements for restaurants vary widely by state. Compare Arkansas to other major markets:

Other industries in Arkansas

Arkansas workers' comp rates and requirements for other common industries: