Workers' Compensation Insurance for Restaurants & Food Service

Workers' compensation for restaurants, bars, cafes, catering companies, and fast-food establishments. Kitchen staff face burns, cuts, and slips while servers risk falls and repetitive strain injuries. Rates sit well above office codes, making food service a moderately high-risk industry for WC.

Class Codes in Restaurants & Food Service

9082 — Restaurant NOC

Covers restaurant employees including servers, hosts, and kitchen staff not otherwise classified.

17 / 100

class percentile · filed in 1 state

9079 — Restaurant - Fast Food

Covers fast food restaurant employees including counter workers, cooks, and drive-through staff.

—

class percentile · filed in 0 states

9083 — Restaurant - Fast Food - Including Delivery

Covers fast food restaurants with delivery service including drivers and kitchen staff.

15 / 100

class percentile · filed in 1 state

9519 — Catering NOC

Covers catering workers preparing and serving food at events, parties, and corporate functions.

65 / 100

class percentile · filed in 2 states

Filed Figures by State

Per $100 of payroll, copied from each state's own filing. “LC” is a loss cost (before the insurer's multiplier); “rate” is a manual rate. Other states publish no per-class figure this site has transcribed.

State	9082	9079	9083	9519
New York	—	—	—	$2.130 LC
Wisconsin	$1.188 rate	—	$1.101 rate	$3.574 rate

Two kinds of number appear here — neither is a quote.

A filed figure is copied from the state’s own regulator or rating bureau, with the filing and effective date beside it. A filed loss cost is not a rate: your insurer multiplies it by its own loss cost multiplier before applying your experience modification. A cost index ranks states against the median state (1.00); it is modelled, it is not a price, and it is the only figure shown for states whose per-class filings we have not been able to transcribe. We stopped publishing modelled per-$100 estimates after measuring them against the filings — read the calibration measurement.

Your actual premium depends on the carrier's rates, experience modification factor, schedule credits, payroll, claims history, and underwriting. WorkersCompCost.com is not a licensed insurance broker — confirm binding rates with a licensed agent in your state.

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