Workers' Comp Insurance for Restaurants Businesses in Texas

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 Texas. The Texas workers' compensation market is governed by TDI, and the average rate statewide is approximately $1.04 per $100 of payroll.

Texas requirements for restaurants businesses

When required: OPTIONAL — Texas is the only state where private employers are NOT required to carry workers' comp.

Sole proprietors: Optional for sole proprietors.

Owner / officer exclusion: Officers may be excluded if employer chooses to carry coverage.

Restaurants class codes used in Texas

Why restaurants workers' comp is tricky in Texas

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 Texas 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 Texas to other major markets:

Other industries in Texas

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