Workers’ Comp for Restaurants in Massachusetts

Name: Workers' Compensation Insurance for Restaurants in Massachusetts
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

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

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Why do Restaurants in Massachusetts need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

From brunch rushes to late-night service, Massachusetts restaurants perform in high-pressure environments. Workers’ comp coverage protects your staff and bottom line.

Common Restaurants injuries

Slips and falls – Wet floors, grease spills, and fast-paced environments
Scalds – Steam exposure and handling of hot liquids
Burns – Hot ovens, stoves, grills, and boiling liquids
Strains and sprains – Lifting heavy trays and repetitive kitchen movements
Back injuries – Improper lifting of stock and moving equipment

Workers' Comp for Restaurants in Massachusetts: Legal Requirements

Massachusetts requires every restaurant business with employees—full-time or part-time—to maintain workers’ compensation insurance. Non-compliance can bring steep financial penalties and limit operations. Learn more about How Workers’ Comp Works in Massachusetts here.

Common types of Restaurants workers we can insure in Massachusetts

Concession Stand

Fast Food

Night Clubs

Pizza Shop

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 an active Restaurant workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Restaurants Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Restaurants in Massachusetts cost per month?

Restaurant businesses in Massachusetts often spend about $37 each month per employee for workers' comp insurance, calculated from a rate of $0.74 per $100 payroll. These costs may fluctuate with changes in job categories, safety efforts, and experience rating. For more information about restaurant workers' compensation costs, check out our detailed guide: Workers' Comp Rates for Restaurant Workers 2025.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

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

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 Massachusetts Restaurants

For more details on class codes, visit this detailed guide on Restaurant Workers’ Compensation Class Codes.

9082 - Restaurant NOC

9082 - Pizza Shop

9082 - Sandwich Shop

9082 - Concession Stand

9083 - Restaurant: Fast Food

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

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

How to get Workers' Comp Insurance in Massachusetts

Getting workers' comp insurance in Massachusetts is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Restaurants business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing restaurant insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

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.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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

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! Our 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 strategies, check out these 6 tips on how to reduce your restaurant workers’ compensation costs.

FAQ's on Workers' Comp for Restaurants in Massachusetts

What if my payroll changes month to month?

That’s where pay-as-you-go comes in. It keeps your premiums accurate and cash flow steady.

Can I exclude staff if I pay them off the books?

No. Those employees are still your responsibility under workers’ comp law.

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Learn more about Restaurants Insurance

a restaurant owner calculating restaurant workers compensation costs

6 Tips to Reduce Your Restaurant Workers’ Compensation Costs

a restaurant owner taking note of his employees' class codes

Restaurant Workers’ Comp Class Codes: A Guide

Workers’ Comp Rates for Restaurant Workers 2025

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for Restaurants insurance quote surrounded by insurance icons

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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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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