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Workers' Comp Insurance for Restaurants Businesses in Wyoming

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 Wyoming. The Wyoming workers' compensation market is governed by WSD (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.27 per $100 of payroll.

Avg Restaurants rate in WY
$3.61
per $100 payroll
$100K payroll → annual
$3,608
estimated annual premium
Wyoming bureau
WSD
Monopolistic

Wyoming requirements for restaurants businesses

When required: All employers in 'extra-hazardous' industries must obtain coverage through Wyoming Workers' Safety & Compensation Division — monopolistic for those industries.

Sole proprietors: Optional for sole proprietors.

Owner / officer exclusion: Officers may be excluded.

⚠️ Wyoming is a monopolistic state

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

Restaurants class codes used in Wyoming

9082 Restaurant — NOC
$1.73-$5.20
WY typical rate
9083 Restaurant — Fast Food
$1.39-$4.04
WY typical rate
9079 Restaurant — Bartender / Tavern
$2.31-$6.35
WY typical rate
9072 Pizza Shop / Delivery — Restaurant
$2.08-$5.77
WY typical rate

Why restaurants workers' comp is tricky in Wyoming

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 Wyoming 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 Wyoming 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 Wyoming

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

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

More Wyoming workers' comp resources