Workers' Comp Insurance for Restaurants Businesses in Tennessee

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 Tennessee. The Tennessee workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.97 per $100 of payroll.

Tennessee requirements for restaurants businesses

When required: Required for employers with 5+ employees; construction with 1+.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Restaurants class codes used in Tennessee

Why restaurants workers' comp is tricky in Tennessee

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 Tennessee 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 Tennessee to other major markets:

Other industries in Tennessee

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