Restaurants & Food Service Workers' Comp · Florida
Restaurants & Food Service Workers' Comp Insurance in Florida
Requirements, class codes, and costs for restaurants & food service businesses in Florida — shopped across multiple carriers by a licensed agency.
Is workers' comp required for restaurants & food service in Florida?
Florida requires coverage for construction businesses with one or more employees, non-construction businesses with four or more, and agricultural operations with six regular or twelve seasonal workers.
Going without required coverage triggers an immediate stop-work order plus a penalty equal to twice the premium you should have paid over the prior two years.
The one-employee construction rule means even solo trades usually need a policy or a valid state exemption.
Restaurants & Food Service class codes
The right class code sets your rate. Florida classifies payroll under NCCI.
| Code | Description |
|---|---|
| 9080 | Restaurants — Full Service |
| 9083 | Restaurants — Fast Food / Fast Casual |
| 9084 | Bars or Taverns |
| 9082 | Caterers |
| 9081(2) | Food Trucks |
| 9101 | Restaurant NOC |
| 9102 | Restaurants — Fast Food |
| 9180 | Taverns or Night Clubs |
| 8078(1) | Sandwich Shops |
| 8078(2) | Beverage Preparation Shops |
| 8078(3) | Ice Cream or Frozen Yogurt Shops |
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What restaurants & food service workers' comp costs in Florida
Florida uses NCCI class codes, and construction classes get extra scrutiny because of the one-employee threshold.
The biggest drivers of your restaurants & food service premium:
- · Number of employees and total annual payroll
- · Specific class code(s) — full-service vs. fast food vs. bar
- · State where employees work (rates vary significantly)
- · Claims history over the past 3-5 years
Try our cost calculator for a rough estimate, or request a quote for an exact rate.
Common restaurants & food service claims
- ⚠ Slip-and-fall injuries on wet or greasy floors
- ⚠ Burns from fryers, grills, ovens, and hot liquids
- ⚠ Lacerations from knives, slicers, and broken glass
- ⚠ Repetitive motion injuries from prep work
- ⚠ Back and lifting injuries from carrying supplies
Frequently asked questions
Is workers' compensation required for restaurants & food service in Florida? +
Florida requires coverage for construction businesses with one or more employees, non-construction businesses with four or more, and agricultural operations with six regular or twelve seasonal workers. Going without required coverage triggers an immediate stop-work order plus a penalty equal to twice the premium you should have paid over the prior two years.
How much does restaurants & food service workers' comp cost in Florida? +
Florida uses NCCI class codes, and construction classes get extra scrutiny because of the one-employee threshold. Your restaurants & food service premium ultimately depends on your class code, payroll, claims history, and experience modification rate — request a quote for an exact, carrier-underwritten rate.
How much does workers' comp cost for a restaurant? +
Restaurant workers' comp typically costs between $1.50 and $4.00 per $100 of payroll, depending on your state, class code, and claims history. A restaurant with $300,000 in annual payroll might pay $4,500-$12,000 per year. We shop multiple carriers to find you the best rate.
Do I need workers' comp if I only have part-time employees? +
In most states, yes. Workers' comp requirements apply to part-time, full-time, and seasonal employees. The threshold varies by state — some require coverage with just one employee. Contact us with your state and we'll confirm your requirement.
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