Workers' Comp Insurance for Restaurants Businesses in Connecticut

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 Connecticut. The Connecticut workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.53 per $100 of payroll.

Connecticut requirements for restaurants businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect coverage by filing notice with the Workers' Comp Commission.

Owner / officer exclusion: Sole corporate officers may be excluded; multiple officers must all be covered.

Restaurants class codes used in Connecticut

Why restaurants workers' comp is tricky in Connecticut

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 Connecticut 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 Connecticut to other major markets:

Other industries in Connecticut

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