Workers' Comp Coverage for Bars and Taverns

We’ve been helping Bar and Brewery owners find more affordable insurance coverages for over 15 years. Our experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Bars, Taverns and Breweries

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit

Bar and Brewery Workers' Compensation Insurance

Class Code 9084
Bar and Brewery- All Employees

Businesses primarily engaged in hospitality services related to food and alcohol or alcohol only. A restaurant will generally fall under this class code when more than 50% of gross sales are derived from the sell alcoholic beverages such as beer, wine or liquor. Businesses often include bars, nightclubs, lounges, and taverns. Sports bars, restaurants and caterers may also fall under this code depending on alcohol revenue. Musicians and entertainers can often be included under this class when performing in the venue. Many other modern ventures that derive revenue from the sell of alcohol may also be contemplated under this class. Wineries generally fall under a separate class code: 2143- Winery and Drivers.

Alternative State Class Codes for Bar and Brewery:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Synonyms: bar, sports bar, restaurant with alcohol, nightclub, tavern, lounge, brew pub, brewery.

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much is Insurance for a Bar?

The average rate our customers pay for workers’ compensation under the bar class code is around $1.50 per $100 of payroll. The average cost for a general liability insurance policy is about $1,500.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of drinks sold can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for bars are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of establishment matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry
  • Liquor liability rates are based on hours and entertainment
  • Gross revenue may affect pricing
  • Security and drink specials matters to underwriters
  • Prior clams and years in business affect pricing

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We've developed affordable insurance programs for Bars and Taverns.