Workers' Comp Coverage for Assisted Restaurants

We’ve been helping Restaurant owners find affordable coverage 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 Assisted Living

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.


Class Code 9082
Restaurant- Full Service

Class Code 9083
Fast Food Restaurants- All Employees

Food service operations are typically divided between those that are classified as fast food service versus those that are full-service food service. Traditional restaurants typically have servers who wait on customers and receive gratuity or tips. Fast food restaurants will typically fall under the 9083 classification unless state specific rules require an alternate code. These types of restaurants could include standard fast food providers serving hamburgers, tacos, pizza, and sandwiches. Gratuity is generally not expected with fast food.

Restaurants who receive more than 50% of their revenue from the sale of alcoholic beverages such as beer, wine, or liquor typically belong under class code 9084- Bar classification. This class is often used for bars, nightclubs, lounges, taverns, etc.

Alternative State Class Codes for Restaurants:

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: limited service restaurant, full service restaurant, pizza parlor, sandwich shop, doughnut shop, caterer, coffee shop, concession stand


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 Does Restaurant Insurance Cost?

The average rate our customers pay for workers’ compensation under the restaurant class code is around $1.06 per $100 of payroll. The average cost for a general liability insurance policy is about $750.00.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type restaurant can modify rates
  • Premium discounts and policy credits may apply
  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of restaurant equipment matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by restaurant type
  • liquor Liability rates are based on alcohol sales
  • Gross revenue may affect pricing
  • Operating hours and drink specials matters to underwriters
  • Prior clams and years in business affect pricing

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What Happens Next?

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We've developed affordable insurance programs for Restaurants