Workers' Comp Insurance for Restaurants Businesses in California

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 California. The California workers' compensation market is governed by WCIRB, and the average rate statewide is approximately $1.45 per $100 of payroll.

California requirements for restaurants businesses

When required: Required for any employer with at least one employee — including roofing contractors with no employees other than the owner.

Sole proprietors: Sole proprietors with no employees are exempt unless in roofing (5552) — roofers must have coverage even with no employees.

Owner / officer exclusion: Corporate officers and LLC members may exclude themselves with Form 2570.

Restaurants class codes used in California

Why restaurants workers' comp is tricky in California

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 California 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 California to other major markets:

Other industries in California

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