Restaurant
Workers' Compensation Insurance
We've developed affordable insurance programs for Restaurants.
Let's Shop CoveragePrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
Workers' Comp Coverage for Restaurants
We've been helping Restaurant owners find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing restaurant insurance coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Carriers for Restaurant Coverage
Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Restaurants.
Employers offers excellent rates as well as resources for most restaurant related workers comp classification codes.
The Hartford is a national insurance carrier with exceptional rates on office, medical, retail and restaurants
Travelers is an outstanding company with a broad appetite and competitive rates. Great on restaurant general liability and workers' comp.
ICW Group offers great coverage for all types of restaurants. They have outstanding rates for target risks.
Great American Insurance is an exceptional carrier offering affordable prices for most food service industries.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the restaurant industry.
Shop coverage like a Pro.
Workers' Compensation Class Codes Related to Restaurants
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.
Class Code 9082 | Restaurant- Full Service
Class Code 9083 | Fast Food Restaurants- All Employees
Food service operations are typically divided between those that are classified as fast food service versus those that are full-service food service. Traditional restaurants typically have servers who wait on customers and receive gratuity or tips. Fast food restaurants will typically fall under the 9083 classification unless state specific rules require an alternate code. These types of restaurants could include standard fast food providers serving hamburgers, tacos, pizza, and sandwiches. Gratuity is generally not expected with fast food.
Restaurants who receive more than 50% of their revenue from the sale of alcoholic beverages such as beer, wine, or liquor typically belong under class code 9084- Bar classification. This class is often used for bars, nightclubs, lounges, taverns, etc.
Alternative State Class Codes for Restaurants:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 9079 | California, New Jersey, Texas | Full & Fast Food |
| 975 | Delaware, Pennsylvania | Wait Staff |
| 897 | Delaware, Pennsylvania | Fast Food | 9071 | New York | Sit Down Service |
| 9072 | New York | Fast Food |
| 9058 | Michigan | Full Service & Fast Food |
Synonyms: limited service restaurant, full service restaurant, pizza parlor, sandwich shop, doughnut shop, caterer, coffee shop, concession stand
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Restaurant Insurance Coverage
A lot of restaurants are overpaying for coverage because their agent does not have access to the lowest cost insurance companies. Others restaurants are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of restaurant. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and restaurants with higher Experience Modification Ratings. We've been writing restaurant insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Restaurants and Food Service Expertise |
| More Markets for More Solutions |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Restaurant Insurance Costs
The cost of food-related insurance has been increasing. General liability and workers' comp insurance have been the major cause of the increase in the cost. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for restaurants and food services:
Workers Compensation and Employers Liability
Commercial General Liability
Personal Property and Commercial Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Workers' Comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our experts a call at 888-611-7467.
How Much Does Restaurant Insurance Cost?
The average rate our customers pay for workers' compensation under the restaurant class code is around $1.06 per $100 of payroll. The average cost for a general liability insurance policy is about $750.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type restaurant can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of restaurant equipment matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by restaurant type
Liquor Liability Costs
- liquor Liability rates are based on alcohol sales
- Gross revenue may affect pricing
- Operating hours and drink specials matters to underwriters
- Prior clams and years in business affect pricing
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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