The Knowledge Base

helpful tidbits from the experts

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Restaurants

a restaurant owner calculating restaurant workers compensation costs

6 Tips to Reduce Your Restaurant Workers’ Compensation Costs

Controlling costs is crucial for maintaining a healthy bottom line in your restaurant. While there are many ways to save money, one effective strategy is to reduce the cost of your workers’ compensation policy.

a restaurant owner taking note of his employees' class codes

Restaurant Workers’ Comp Class Codes: A Guide

Workers' compensation insurance protects restaurant owners from potential lawsuits and provides financial assistance to their employees in case of work-related injuries or illnesses. Understanding the various restaurant workers’ comp class codes ensures that your business is covered adequately and avoids any surprises when it comes to your insurance rates.

Workers’ Comp Rates for Restaurant Workers 2025

In 2025, the average workers’ comp rate for one restaurant worker is $1.06 per $100 of payroll, or about $28 a month, plus taxes and fees. Workers' compensation insurance for restaurant workers provides coverage for work-related accidents or illnesses.

Smiling chef standing behind a plate of food in a restaurant

A Guide to Restaurant Workers’ Comp Insurance - Kickstand

Those who work in the restaurant industry know that there are plenty of potential risks in the workplace. Although the front of the eatery might present a calm, pleasant experience for the guests, the kitchen, storage areas, loading docks, etc. are another story entirely. It’s in these locations where injuries tend to occur more often. Of course, that’s not to say that employees couldn’t be injured out in the dining area, as well.

The Knowledge Base

helpful tidbits from the experts

In focus:

Restaurants

6 Tips to Reduce Your Restaurant Workers’ Compensation Costs

Restaurant Workers’ Comp Class Codes: A Guide

Workers’ Comp Rates for Restaurant Workers 2025

A Guide to Restaurant Workers’ Comp Insurance - Kickstand

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