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Workers' Compensation Insurance for Restaurants & Bars

Policies for fast food restaurants, food trucks and food and beverage businesses

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Why do Hospitality Employees need
Workers' Compensation Insurance?

Comply with state laws
Comply with state laws
Avoid fines
Avoid fines
Protect your employees
Protect your employees
Protection from lawsuits
Protection from lawsuits

...'cause they can get hurt

Accidents happen. Having a restaurant workers’ comp insurance policy in place ensures hospitality workers rights by safeguarding their jobs and wages in the event of an accident. It also provides your business with a layer of protection in terms of lost wages and medical expenses.

  Common restaurant employee injuries

  • Slips, trips and falls
  • Lifting and handling drink and food
  • Being struck by an object 
  • Chemical exposures

Common types of Hospitality Employees workers we can insure

Concession Stand Insurance

Concession Stand

Fast Food Insurance

Fast Food

Night Clubs Insurance

Night Clubs

Pizza Shop Insurance

Pizza Shop

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Don't see your business classification?
We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers comp policy, they do not need to pay anything towards the bills.

What will Hospitality Employees Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Hospitality Employees cost?

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What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Restaurants & Bars

9082 - Restaurant NOC

9082 - Pizza Shop

9082 - Sandwich Shop

9082 - Concession Stand

9083 - Restaurant: Fast Food

9084 - Bar, Discotheque, Lounge, Night Club or Tavern

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for Hospitality Employees today!

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Helpful tips to save money

Choosing restaurants, bars or hotel insurance services may sound simple, but doing it wrong can be very costly. Here’s how to save money:

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Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

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Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!

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FAQ's on Workers' Comp for Hospitality Employees

How quickly can I get my certificate of insurance?

Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

We are a full-service restaurant including seating and wait service that also serves alcohol. How does this affect my workers’ compensation insurance policy?

It depends on how much alcohol is sold. Restaurants with over 50% of gross receipts from alcohol sales are categorized differently than locations with under 50% of gross receipts from alcohol sales.

State laws on Workers' Comp for Hospitality Employees

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements. 

Choose your state from the dropdown to learn more.
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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Hospitality Employees?

Yes, we can help with that too!

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities

Get Workers’ Compensation for Restaurants & Bars today!

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