WCRates

Workers' Compensation Insurance for Hospitality

Workers' compensation for hotels, motels, resorts, and lodging establishments. Hospitality workers face risks from housekeeping duties, maintenance tasks, laundry operations, and guest services. Rates typically range from $2.00 to $5.00 per $100 of payroll, reflecting moderate physical demands across front-desk and back-of-house roles.

Industry Average Rate: $3.10 per $100 of payroll

Class Codes in Hospitality

9058 — Hotel - Restaurant Employees

Covers restaurant, bar, and food-service employees directly managed by a hotel, motel, motor court, tourist court, or cabin operation.

$3.75

nat'l avg / $100

9052 — Hotel NOC - All Other Employees & Drivers

Covers hotel, motel, resort, and lodging employees not assigned to a more specific hotel restaurant, casino, clerical, or other hospitality classification.

$3.91

nat'l avg / $100

9061 — Club NOC - All Employees

Covers employees of private clubs including country clubs, social clubs, and athletic clubs.

$3.00

nat'l avg / $100

9071 — Bowling Alley - All Employees

Covers bowling alley employees including counter staff, mechanics, and food service workers.

$2.62

nat'l avg / $100

9016 — Amusement Park or Exhibition Operation & Drivers

Covers fixed-location amusement park or exhibition operations, including premises care, gate and box-office staff, security, musicians, and drivers; ride or device operation and separately classified restaurant, retail, or theater operations may need separate codes.

$4.39

nat'l avg / $100

7520 — Amusement Ride Operation

Covers workers operating and maintaining amusement rides at theme parks, carnivals, and fairs.

$6.16

nat'l avg / $100

8279 — Stable/Riding Academy

Covers employees of stables and riding academies providing horseback riding lessons, boarding, and equestrian services.

$5.62

nat'l avg / $100

9055 — Camps - Day/Overnight

Covers employees of day and overnight camps providing recreational activities and supervision for campers.

$3.48

nat'l avg / $100

9056 — Golf Club

Covers employees of golf clubs and courses including grounds crew, pro shop staff, and food service workers.

$2.68

nat'l avg / $100

9059 — Day Spa

Covers employees of day spas providing massage, skin care, and wellness treatment services.

$1.61

nat'l avg / $100

9064 — Swimming Pool Operation

Covers employees operating and maintaining swimming pools including lifeguards, attendants, and maintenance staff.

$2.95

nat'l avg / $100

9067 — Amusement Park - Mechanical Rides

Covers employees operating and maintaining mechanical rides at amusement and theme parks.

$5.62

nat'l avg / $100

9070 — Bowling Center - All

Covers all employees of bowling centers including attendants, mechanics, and food service staff.

$2.68

nat'l avg / $100

9072 — Skating Rink

Covers employees of ice and roller skating rinks including attendants, instructors, and maintenance staff.

$2.95

nat'l avg / $100

9077 — Recreation Center

Covers employees of recreation centers providing fitness, sports, and leisure activities to the community.

$2.68

nat'l avg / $100

9180 — Athletic Teams - Professional

Covers professional athletes and team staff participating in organized professional sports leagues.

$13.39

nat'l avg / $100

9182 — Athletic Teams - Amateur

Covers amateur athletes and staff participating in organized amateur and collegiate sports programs.

$7.77

nat'l avg / $100

Rate Comparison by State

State90589052906190719016752082799055905690599064906790709072907791809182
Indiana$2.73$2.85$2.18$1.91$3.20$4.49$4.10$2.54$1.95$1.17$2.15$4.10$1.95$2.15$1.95$9.75$5.66
Texas$2.76$2.88$2.21$1.93$3.23$4.54$4.14$2.56$1.97$1.18$2.17$4.14$1.97$2.17$1.97$9.86$5.72
Virginia$2.91$3.03$2.32$2.03$3.40$4.77$4.36$2.70$2.07$1.24$2.28$4.36$2.07$2.28$2.07$10.38$6.02
Utah$2.98$3.10$2.38$2.08$3.48$4.89$4.46$2.76$2.13$1.27$2.34$4.46$2.13$2.34$2.13$10.63$6.16
Arkansas$3.08$3.21$2.46$2.16$3.61$5.06$4.62$2.86$2.20$1.32$2.42$4.62$2.20$2.42$2.20$11.00$6.38
Colorado$3.12$3.25$2.49$2.18$3.65$5.12$4.67$2.89$2.23$1.34$2.45$4.67$2.23$2.45$2.23$11.13$6.45
Tennessee$3.19$3.32$2.55$2.23$3.73$5.23$4.78$2.96$2.28$1.37$2.50$4.78$2.28$2.50$2.28$11.38$6.60
Arizona$3.22$3.36$2.58$2.25$3.77$5.29$4.83$2.99$2.30$1.38$2.53$4.83$2.30$2.53$2.30$11.50$6.67
South Dakota$3.26$3.39$2.60$2.28$3.81$5.35$4.88$3.02$2.33$1.40$2.56$4.88$2.33$2.56$2.33$11.63$6.74
Nebraska$3.29$3.43$2.63$2.30$3.85$5.40$4.93$3.06$2.35$1.41$2.59$4.93$2.35$2.59$2.35$11.75$6.82
North Carolina$3.29$3.43$2.63$2.30$3.85$5.40$4.93$3.06$2.35$1.41$2.59$4.93$2.35$2.59$2.35$11.75$6.82
Idaho$3.33$3.47$2.66$2.33$3.89$5.46$4.99$3.09$2.38$1.42$2.61$4.99$2.38$2.61$2.38$11.88$6.89
Kansas$3.36$3.50$2.69$2.35$3.94$5.52$5.04$3.12$2.40$1.44$2.64$5.04$2.40$2.64$2.40$12.00$6.96
Mississippi$3.40$3.54$2.72$2.38$3.98$5.58$5.09$3.15$2.42$1.46$2.67$5.09$2.42$2.67$2.42$12.13$7.03
New Mexico$3.43$3.58$2.74$2.40$4.02$5.64$5.15$3.19$2.45$1.47$2.70$5.15$2.45$2.70$2.45$12.25$7.11
South Carolina$3.47$3.61$2.77$2.43$4.06$5.69$5.20$3.22$2.48$1.49$2.72$5.20$2.48$2.72$2.48$12.38$7.18
Kentucky$3.50$3.65$2.80$2.45$4.10$5.75$5.25$3.25$2.50$1.50$2.75$5.25$2.50$2.75$2.50$12.50$7.25
Iowa$3.57$3.72$2.86$2.50$4.18$5.87$5.36$3.32$2.55$1.53$2.81$5.36$2.55$2.81$2.55$12.75$7.40
Missouri$3.61$3.76$2.88$2.52$4.22$5.92$5.41$3.35$2.58$1.55$2.83$5.41$2.58$2.83$2.58$12.88$7.47
Nevada$3.64$3.80$2.91$2.55$4.26$5.98$5.46$3.38$2.60$1.56$2.86$5.46$2.60$2.86$2.60$13.00$7.54
Georgia$3.68$3.83$2.94$2.57$4.31$6.04$5.51$3.41$2.63$1.58$2.89$5.51$2.63$2.89$2.63$13.13$7.61
Maryland$3.68$3.83$2.94$2.57$4.31$6.04$5.51$3.41$2.63$1.58$2.89$5.51$2.63$2.89$2.63$13.13$7.61
Oregon$3.71$3.87$2.97$2.60$4.35$6.10$5.57$3.45$2.65$1.59$2.92$5.57$2.65$2.92$2.65$13.25$7.69
West Virginia$3.75$3.91$3.00$2.62$4.39$6.15$5.62$3.48$2.68$1.61$2.94$5.62$2.68$2.94$2.68$13.38$7.76
Alabama$3.78$3.94$3.02$2.65$4.43$6.21$5.67$3.51$2.70$1.62$2.97$5.67$2.70$2.97$2.70$13.50$7.83
Minnesota$3.78$3.94$3.02$2.65$4.43$6.21$5.67$3.51$2.70$1.62$2.97$5.67$2.70$2.97$2.70$13.50$7.83
New Hampshire$3.78$3.94$3.02$2.65$4.43$6.21$5.67$3.51$2.70$1.62$2.97$5.67$2.70$2.97$2.70$13.50$7.83
Delaware$3.85$4.02$3.08$2.70$4.51$6.33$5.78$3.58$2.75$1.65$3.03$5.78$2.75$3.03$2.75$13.75$7.98
Maine$3.85$4.02$3.08$2.70$4.51$6.33$5.78$3.58$2.75$1.65$3.03$5.78$2.75$3.03$2.75$13.75$7.98
Wisconsin$3.85$4.02$3.08$2.70$4.51$6.33$5.78$3.58$2.75$1.65$3.03$5.78$2.75$3.03$2.75$13.75$7.98
Michigan$3.92$4.09$3.14$2.74$4.59$6.44$5.88$3.64$2.80$1.68$3.08$5.88$2.80$3.08$2.80$14.00$8.12
Vermont$3.92$4.09$3.14$2.74$4.59$6.44$5.88$3.64$2.80$1.68$3.08$5.88$2.80$3.08$2.80$14.00$8.12
Rhode Island$3.99$4.16$3.19$2.79$4.67$6.56$5.99$3.70$2.85$1.71$3.14$5.99$2.85$3.14$2.85$14.25$8.26
Florida$4.02$4.20$3.22$2.82$4.71$6.61$6.04$3.74$2.88$1.73$3.16$6.04$2.88$3.16$2.88$14.37$8.34
Montana$4.02$4.20$3.22$2.82$4.71$6.61$6.04$3.74$2.88$1.73$3.16$6.04$2.88$3.16$2.88$14.37$8.34
District of Columbia$4.13$4.31$3.30$2.89$4.84$6.78$6.19$3.84$2.95$1.77$3.24$6.19$2.95$3.24$2.95$14.75$8.56
Massachusetts$4.13$4.31$3.30$2.89$4.84$6.78$6.19$3.84$2.95$1.77$3.24$6.19$2.95$3.24$2.95$14.75$8.56
Oklahoma$4.13$4.31$3.30$2.89$4.84$6.78$6.19$3.84$2.95$1.77$3.24$6.19$2.95$3.24$2.95$14.75$8.56
Illinois$4.20$4.38$3.36$2.94$4.92$6.90$6.30$3.90$3.00$1.80$3.30$6.30$3.00$3.30$3.00$15.00$8.70
Connecticut$4.27$4.45$3.42$2.99$5.00$7.02$6.41$3.97$3.05$1.83$3.36$6.41$3.05$3.36$3.05$15.25$8.85
Louisiana$4.38$4.56$3.50$3.06$5.13$7.19$6.56$4.06$3.13$1.88$3.44$6.56$3.13$3.44$3.13$15.63$9.06
Hawaii$4.48$4.67$3.58$3.14$5.25$7.36$6.72$4.16$3.20$1.92$3.52$6.72$3.20$3.52$3.20$16.00$9.28
Pennsylvania$4.48$4.67$3.58$3.14$5.25$7.36$6.72$4.16$3.20$1.92$3.52$6.72$3.20$3.52$3.20$16.00$9.28
New Jersey$4.55$4.75$3.64$3.19$5.33$7.48$6.83$4.23$3.25$1.95$3.58$6.83$3.25$3.58$3.25$16.25$9.43
California$4.73$4.93$3.78$3.31$5.54$7.76$7.09$4.39$3.38$2.03$3.71$7.09$3.38$3.71$3.38$16.88$9.79
Alaska$4.97$5.18$3.98$3.48$5.82$8.16$7.46$4.62$3.55$2.13$3.91$7.46$3.55$3.91$3.55$17.75$10.30
New York$5.08$5.29$4.06$3.55$5.94$8.34$7.61$4.71$3.63$2.17$3.99$7.61$3.63$3.99$3.63$18.13$10.51

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