Workers' Comp Rate for Restaurant - Fast Food - Including Delivery in Utah (Class Code 9083)
Last verified: 2026-05-28
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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)
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