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Workers' Comp Insurance for Restaurants Businesses in North Dakota

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 North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.

Avg Restaurants rate in ND
$2.22
per $100 payroll
$100K payroll → annual
$2,216
estimated annual premium
North Dakota bureau
WSI
Monopolistic

North Dakota requirements for restaurants businesses

When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ North Dakota is a monopolistic state

All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

Restaurants class codes used in North Dakota

9082 Restaurant — NOC
$1.06-$3.19
ND typical rate
9083 Restaurant — Fast Food
$0.85-$2.48
ND typical rate
9079 Restaurant — Bartender / Tavern
$1.42-$3.90
ND typical rate
9072 Pizza Shop / Delivery — Restaurant
$1.28-$3.55
ND typical rate

Why restaurants workers' comp is tricky in North Dakota

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 North Dakota 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 North Dakota 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 North Dakota

North Dakota workers' comp rates and requirements for other common industries:

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

More North Dakota workers' comp resources