Workers' Comp Insurance for Restaurants Businesses in Florida

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 Florida. The Florida workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.42 per $100 of payroll.

Florida requirements for restaurants businesses

When required: Required for non-construction employers with 4+ employees, construction with 1+, agricultural with 6+ regular or 12+ seasonal employees.

Sole proprietors: Sole proprietors in construction are NOT exempt — must have coverage. Non-construction sole props may be exempt..

Owner / officer exclusion: Construction owners can apply for exemption (max 3 per corp); non-construction can exempt up to 3 officers per corp.

Restaurants class codes used in Florida

Why restaurants workers' comp is tricky in Florida

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 Florida 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 Florida to other major markets:

Other industries in Florida

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