Workers' Compensation Insurance

We've developed affordable insurance programs for Restaurants.

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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.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Carriers for Restaurant Coverage
Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Restaurants.

Accident Fund

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as resources for most restaurant related workers comp classification codes.

Employers Insurance

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on office, medical, retail and restaurants

The Hartford

Travelers Workers Compensation Insurance.


Travelers is an outstanding company with a broad appetite and competitive rates. Great on restaurant general liability and workers' comp.

Travelers Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of restaurants. They have outstanding rates for target risks.

ICW Group

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices for most food service industries.

Great American Insurance Group

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.


AmTrust Financial provides exceptional value for many business types within the restaurant industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

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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 is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation 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?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • 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.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • 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.

Get Started Now

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
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • 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?

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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