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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 Restaurant Workers 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’ compensation 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.

Understanding recent trends in restaurant workers’ compensation insurance claims can help you better manage and prevent these common injuries.

  Common restaurant employee injuries

  • Slips, trips and falls: Wet floors, spills, and obstructed pathways can lead to slip-and-fall incidents.
  • Burns and scalds: Burns and scalds frequently occur due to hot surfaces, boiling liquids, and cooking equipment.
  • Cuts and lacerations: Improper use of sharp knives, slicers, and other kitchen tools can result in cuts and lacerations.
  • Strains and sprains: Lifting heavy items, repetitive movements, and awkward postures can cause strains and sprains among restaurant staff.

Common types of Restaurant 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 other types of Insurance do Restaurants need?

Workers' comp insurance is only one type of coverage that restaurant owners need. Other essential insurances, like general liability, property insurance, and business interruption insurance, are also important to cover various risks.

Learn more about other types of insurance restaurant owners need.

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 Restaurant Workers' Comp 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 Restaurant Workers cost?

Workers' compensation insurance for restaurants, based on an average restaurant salary of $15 an hour, costs $28 per month per employee.

For more detailed information on how much workers' compensation insurance will cost for your restaurant, read Workers’ Comp Rates for Restaurant Workers 2024.

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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

For more details on class codes, or if your state uses different codes, visit Workers’ Comp Class Codes for Restaurant Workers 2024 for more info.

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 Restaurant Workers today!

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Helpful tips to save money

Choosing restaurant & bar 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 correctlyFor 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! A Restaurant Workers’ Compensation Audit Checklist can help.

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! A Restaurant Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how restaurant owners can save money on their workers' compensation insurance.

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FAQ's on Workers' Comp for Restaurant Workers

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.

Are my delivery drivers covered by my workers' compensation policy?

Yes, your delivery drivers are covered by your workers' compensation policy. However, having delivery drivers can make it harder to get insurance because of the higher risk. To avoid this, consider using services like UberEats or DoorDash instead of hiring your own drivers. 

State laws on Workers' Comp for Restaurant Workers

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.

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

For example, New Jersey requires coverage for any restaurant business with one employee. Florida, on the other hand, requires it for food businesses with four or more employees.

If you’re a restaurant owner or manager, 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.
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Need other types of insurance for Restaurant Workers?

Yes, we can help with that too!

Learn more about Restaurant Insurance

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
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Get Workers’ Compensation for Restaurants & Bars today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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