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Workers' Comp Insurance for Restaurants Businesses in New Mexico

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 New Mexico. The New Mexico workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Restaurants rate in NM
$3.95
per $100 payroll
$100K payroll → annual
$3,949
estimated annual premium
New Mexico bureau
NCCI
Private market

New Mexico requirements for restaurants businesses

When required: Required for employers with 3 or more employees.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Restaurants class codes used in New Mexico

9082 Restaurant — NOC
$1.90-$5.69
NM typical rate
9083 Restaurant — Fast Food
$1.52-$4.42
NM typical rate
9079 Restaurant — Bartender / Tavern
$2.53-$6.95
NM typical rate
9072 Pizza Shop / Delivery — Restaurant
$2.27-$6.32
NM typical rate

Why restaurants workers' comp is tricky in New Mexico

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 New Mexico 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

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Restaurants workers' comp in other states

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

Restaurants in California $1.45 Restaurants in Texas $1.04 Restaurants in Florida $1.42 Restaurants in New York $1.41 Restaurants in Pennsylvania $1.27 Restaurants in Illinois $1.66 Restaurants in Ohio $0.74 Restaurants in Georgia $1.06

Other industries in New Mexico

New Mexico workers' comp rates and requirements for other common industries:

Construction in NM 9 class codes Roofing in NM 1 class code Plumbing in NM 3 class codes Electrical in NM 3 class codes HVAC in NM 2 class codes Painting in NM 3 class codes Landscaping in NM 3 class codes Retail in NM 5 class codes

More New Mexico workers' comp resources