Workers' Comp Rates for Restaurant - Fast Food - Including Delivery (Class Code 9083)
Last verified: 2026-05-28 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers fast food restaurants with delivery service including drivers and kitchen staff.
Common Businesses
Hazard Group
D
National Avg Rate
$4.39
per $100 payroll
Most Expensive States
- New York$5.94
- Alaska$5.82
- California$5.54
Rates by State for Class Code 9083
47 jurisdictions rate this code per $100 of payroll. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $3.20 | -1.19 | 2026-01-01 |
| Texas | $3.23 | -1.16 | 2026-07-01 |
| Virginia | $3.40 | -0.99 | 2026-04-01 |
| Utah | $3.48 | -0.91 | 2026-02-01 |
| Arkansas | $3.61 | -0.78 | 2026-07-01 |
| Colorado | $3.65 | -0.74 | 2026-01-01 |
| Tennessee | $3.73 | -0.66 | 2026-03-01 |
| Arizona | $3.77 | -0.62 | 2026-01-01 |
| South Dakota | $3.81 | -0.58 | 2026-07-01 |
| Nebraska | $3.85 | -0.54 | 2026-02-01 |
| North Carolina | $3.85 | -0.54 | 2026-04-01 |
| Idaho | $3.89 | -0.50 | 2026-01-01 |
| Kansas | $3.94 | -0.45 | 2026-01-01 |
| Mississippi | $3.98 | -0.41 | 2026-03-01 |
| New Mexico | $4.02 | -0.37 | 2026-01-01 |
| South Carolina | $4.06 | -0.33 | 2026-04-01 |
| Kentucky | $4.10 | -0.29 | 2026-01-01 |
| Iowa | $4.18 | -0.21 | 2026-01-01 |
| Missouri | $4.22 | -0.17 | 2026-01-01 |
| Nevada | $4.26 | -0.13 | 2026-03-01 |
| Georgia | $4.31 | -0.08 | 2026-03-01 |
| Maryland | $4.31 | -0.08 | 2026-01-01 |
| Oregon | $4.35 | -0.04 | 2026-01-01 |
| West Virginia | $4.39 | +0.00 | 2026-01-01 |
| Alabama | $4.43 | +0.04 | 2026-03-01 |
| Minnesota | $4.43 | +0.04 | 2026-01-01 |
| New Hampshire | $4.43 | +0.04 | 2026-01-01 |
| Delaware | $4.51 | +0.12 | 2025-12-01 |
| Maine | $4.51 | +0.12 | 2025-04-01 |
| Wisconsin | $4.51 | +0.12 | 2025-10-01 |
| Michigan | $4.59 | +0.20 | 2026-01-01 |
| Vermont | $4.59 | +0.20 | 2026-04-01 |
| Rhode Island | $4.67 | +0.28 | 2026-08-01 |
| Florida | $4.71 | +0.32 | 2026-01-01 |
| Montana | $4.71 | +0.32 | 2026-07-01 |
| District of Columbia | $4.84 | +0.45 | 2026-01-01 |
| Massachusetts | $4.84 | +0.45 | 2024-07-01 |
| Oklahoma | $4.84 | +0.45 | 2026-01-01 |
| Illinois | $4.92 | +0.53 | 2026-01-01 |
| Connecticut | $5.00 | +0.61 | 2026-01-01 |
| Louisiana | $5.13 | +0.74 | 2026-05-01 |
| Hawaii | $5.25 | +0.86 | 2026-01-01 |
| Pennsylvania | $5.25 | +0.86 | 2026-04-01 |
| New Jersey | $5.33 | +0.94 | 2026-01-01 |
| California | $5.54 | +1.15 | 2025-09-01 |
| Alaska | $5.82 | +1.43 | 2026-01-01 |
| New York | $5.94 | +1.55 | 2025-10-01 |
How Class Code 9083 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 9083 (Restaurant - Fast Food - Including Delivery) ranges from $3.20 to $5.94 per $100 of payroll, with a national average of $4.39 and a median of $4.39. Each bar counts the states whose estimated rate falls in that range — shaded cheaper (green) to pricier (red). The dashed line marks the national average.
Distribution across 47 states. Rates are a modeled benchmark (NCCI base-rate catalogue × state rate multiplier, catalogue retrieved 2026-05-28) and are not reconciled to filed state loss costs — see the calibration measurement and our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $3.20–$3.54 | 4 | Indiana, Texas, Virginia, Utah |
| $3.54–$3.89 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $3.89–$4.23 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $4.23–$4.57 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $4.57–$4.91 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $4.91–$5.26 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $5.26–$5.60 | 2 | New Jersey, California |
| $5.60–$5.94 | 2 | Alaska, New York |
| Summary | 47 | Min $3.20 · Median $4.39 · Avg $4.39 · Max $5.94 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 9083 with your own payroll and experience mod.
Related Class Codes
9082
Restaurant NOC
Hazard Group: D
9079
Restaurant - Fast Food
Hazard Group: C
9519
Catering NOC
Hazard Group: C
About Class Code 9083: Scope, Inclusions, and Common Misclassifications
Workers' comp class code 9083 is the fast-food restaurant classification shoppers usually mean when they search for "9083 workers comp code," "class code 9083," or "wc class code 9083." Public bureau materials describe the core exposure as restaurants that prepare and serve food and beverages for consumption on or away from the premises, with counter, drive-through, takeout, and limited table-service models instead of ordinary full-service wait staff.
Delivery is the detail that makes this page worth checking carefully. Some state manuals phrase the fast-food class with drivers, some use a state-specific restaurant code, and some list 9083 simply as Restaurant: Fast Food. The rate table on this page is a filing-based benchmark for code 9083 across states, not a binding quote. A restaurant still needs to confirm the state's adopted phraseology before assuming kitchen, counter, drive-through, online-order pickup, and delivery payroll all land in one code.
What Class Code 9083 Usually Includes
WCRB's public class-code lookup lists code 9083 as Restaurant: Fast Food and applies it to risks that prepare and serve food and beverages for on-premises or off-premises consumption, with no ordinary wait staff. The examples in public bureau material line up with quick-service restaurants: pizza shops, sandwich shops, hamburger, taco, fried-chicken, doughnut, concession, drive-through, takeout, and similar counter-service food operations.
The practical test is how customers order and receive food. A 9083 operation typically has customers order at a counter, drive-through window, kiosk, phone, or web application; pay when ordering; and either take the food away or seat themselves. Limited table touches such as bringing a paid order to a table, refilling drinks, or clearing tables do not necessarily turn the restaurant into a full-service operation, but regular wait staff is a warning sign.
Drivers can be part of the fast-food exposure when the adopted state classification includes drivers or delivery service. New York, for example, uses a state-specific fast-food code 9072 that expressly covers drivers and describes takeout orders delivered on foot, by bicycle, vehicle, or public transportation. Florida's public 2026 rate table lists 9083 as Restaurant: Fast Food, while California uses its own 9083 Restaurants - fast food or fast casual framework. The code number alone is not enough; the state manual controls.
When Fast-Food Payroll Leaves 9083
Full-service restaurant payroll is the first boundary. If the restaurant's regular model uses hosts and wait staff, compare restaurant NOC 9082 and the state's full-service restaurant wording before using 9083. Occasional accommodation service for a birthday party, meeting, or customer who needs help may still fit a fast-food classification, but ordinary table service points away from 9083.
Hotels, bars, taverns, caterers, and retail food operations are separate checks. A hotel or motel restaurant is often separately rated under a hotel restaurant classification such as hotel restaurant employees 9058 or a state-specific hotel food-service code. Alcohol-led bars or taverns, caterers serving events away from the restaurant, convenience stores with food service, and retail stores principally selling merchandise can all move out of the fast-food code even when employees prepare food.
Delivery-only and ghost-kitchen models need extra documentation. If the business is primarily a delivery platform, courier operation, commissary kitchen, caterer, or food manufacturer rather than a restaurant serving the walk-in trade, the auditor may look beyond 9083. Keep menus, order-channel reports, gross receipts by dine-in/takeout/delivery, driver payroll, third-party delivery contracts, and kitchen-production records so the carrier can distinguish restaurant delivery from a separate delivery or production business.
Audit Records for Quick-Service Restaurants
The audit file that protects a 9083 assignment separates the restaurant model from nearby food-service codes. Save point-of-sale summaries, delivery-platform reports, job descriptions for counter, kitchen, shift-lead, and driver roles, payroll by location, and any records showing whether table service is occasional or routine. If a restaurant has both counter-service and full-service locations, keep payroll and receipts separated by location before the policy year closes.
State-specific coding matters more for restaurants than for many small-business classes. New York's public manual uses 9072 for fast-food restaurants and drivers; California's food and beverage service revisions put fast food or fast casual under California classification 9083; Florida and Wisconsin public lookups list 9083 as Restaurant: Fast Food. A multi-state franchise should not copy one state's restaurant code onto every policy without checking each bureau's adopted wording.
For quote shoppers, use the state-by-state rate table as a shortlist tool. The final premium still changes after payroll, carrier loss-cost multiplier, experience modification, schedule credits, minimum premium, and any audit split to a full-service restaurant, hotel restaurant, bar or tavern, catering, retail food, manufacturing, or delivery classification.
Sources
- WCRB Class Code Lookup - 9083 Restaurant Fast Food (retrieved 2026-05-28)
- NYCIRB Digital Library - Code 9072 Restaurant Fast Food & Drivers (retrieved 2026-05-28)
- Florida Workers' Compensation Joint Underwriting Association - 2026 Rates (retrieved 2026-05-28)
- WCIRB California Classification Search - Restaurants Fast Food or Fast Casual (retrieved 2026-05-28)
Frequently Asked Questions
- What is workers' comp class code 9083?
- Workers' comp class code 9083 is the fast-food restaurant classification in many NCCI states. It generally covers quick-service restaurants that prepare and serve food or beverages for customers to eat on site or take away, subject to the state manual's adopted wording.
- How much is workers' comp insurance for class code 9083?
- The national average rate for class code 9083 is $4.39 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($3.20), Texas ($3.23), Virginia ($3.40). Most expensive: New York ($5.94), Alaska ($5.82), California ($5.54). Actual premium depends on your state, payroll, experience modifier, and carrier. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 9083?
- Class code 9083 typically applies to Pizza delivery restaurants, Chinese food delivery, Fast food with delivery, Meal delivery kitchens, Ghost kitchens.
- What does the 9083 workers comp code cover?
- The 9083 workers comp code usually covers counter-service fast-food employees such as kitchen staff, cashiers, drive-through employees, shift leads, and, where the state phraseology includes drivers or delivery, restaurant delivery employees. Full-service wait staff, hotel restaurants, bars, caterers, retail food stores, and delivery-only operations may need a different code.
- Is class code 9083 the same in every state?
- No. The code number and wording vary by state. Florida and Wisconsin public bureau materials list 9083 as Restaurant: Fast Food, New York uses state code 9072 for Restaurant - Fast Food & Drivers, and California uses its own 9083 Restaurants - fast food or fast casual classification. Always verify the state bureau wording before assigning payroll.
- What is the difference between restaurant codes 9082 and 9083?
- 9083 is for fast-food or quick-service restaurants where customers order and pay at a counter, drive-through, kiosk, phone, or web application and ordinary wait staff is not part of the regular model. 9082 is the nearby restaurant NOC or full-service restaurant bucket in many state systems. The exact split depends on the state manual.
- What is the workers' comp rate for class code 9083?
- The workers' comp rate for class code 9083 varies by state and carrier. This page shows filing-based base-rate estimates by state, but actual premium also depends on payroll, carrier loss-cost multipliers, experience modification, schedule credits, minimum premium, and whether an audit splits payroll to another restaurant, hotel, bar, catering, retail, production, or delivery classification.
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