Workers’ Comp for Restaurants in Michigan

Name: Workers' Compensation Insurance for Restaurants in Michigan
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 Michigan need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Restaurants in Michigan work through seasonal highs and lows, often at full capacity. Workers' comp insurance helps cover medical expenses for job-related incidents.

Common Restaurants injuries

Back injuries – Improper lifting of stock and moving equipment
Trip hazards – Cluttered pathways and delivery areas
Scalds – Steam exposure and handling of hot liquids
Cuts and lacerations – Sharp knives, slicers, and broken glassware
Burns – Hot ovens, stoves, grills, and boiling liquids

Workers' Comp for Restaurants in Michigan: Legal Requirements

All restaurants in Michigan with one or more staff members must carry workers’ compensation insurance. Businesses without coverage may face serious fines or operational shutdowns. Learn more about Michigan Workers’ Compensation Requirements here.

Common types of Restaurants workers we can insure in Michigan

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 Michigan cost per month?

Throughout the U.S., restaurants generally budget roughly $54 monthly per worker for comp insurance. Final costs may shift based on safety protocols, job duties, and prior claims. 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 Michigan.

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 Michigan Restaurants

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

9058 - Restaurant NOC

9058 - Pizza Shop

9058 - Sandwich Shop

9058 - Concession Stand

9058 - Restaurant: Fast Food

9058 - 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 Michigan

Getting workers' comp insurance in Michigan 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 Michigan

If my restaurant serves alcohol and has table service, does that affect my workers' comp coverage?

No. Michigan is different than most other states in that regard. In other states, alcohol sales above 50% usually result in a different class code, impacting your premiums, but in Michigan, your restaurant classification would stay the same.

Will having drivers make my comp insurance more expensive?

Most likely. Delivery is seen as riskier than other roles. Consider apps like UberEats or DoorDash if you want to avoid higher premiums.

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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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