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Workers' Comp Insurance for Restaurants Businesses in Ohio

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 Ohio. The Ohio workers' compensation market is governed by BWC (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.74 per $100 of payroll.

Avg Restaurants rate in OH
$2.10
per $100 payroll
$100K payroll → annual
$2,102
estimated annual premium
Ohio bureau
BWC
Monopolistic

Ohio requirements for restaurants businesses

When required: All employers must obtain coverage through Ohio Bureau of Workers' Compensation (BWC) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with BWC.

Owner / officer exclusion: Officers and LLC members may opt out.

⚠️ Ohio is a monopolistic state

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

Restaurants class codes used in Ohio

9082 Restaurant — NOC
$1.01-$3.03
OH typical rate
9083 Restaurant — Fast Food
$0.81-$2.35
OH typical rate
9079 Restaurant — Bartender / Tavern
$1.35-$3.70
OH typical rate
9072 Pizza Shop / Delivery — Restaurant
$1.21-$3.36
OH typical rate

Why restaurants workers' comp is tricky in Ohio

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 Ohio 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 Ohio 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 Georgia $1.06 Restaurants in North Carolina $0.84

Other industries in Ohio

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

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

More Ohio workers' comp resources