Restaurants & Food Service Workers' Comp · Georgia
Restaurants & Food Service Workers' Comp Insurance in Georgia
Requirements, class codes, and costs for restaurants & food service businesses in Georgia — shopped across multiple carriers by a licensed agency.
Is workers' comp required for restaurants & food service in Georgia?
Georgia requires workers' comp once you regularly employ three or more people, whether full- or part-time.
Operating uninsured when required can bring civil penalties, fines, personal liability for benefits, and misdemeanor exposure for willful violations.
Below three employees you may be exempt, but many general contractors and clients still require proof of coverage.
Restaurants & Food Service class codes
The right class code sets your rate. Georgia 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 Georgia
Georgia uses NCCI class codes with generally moderate rates.
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 Georgia? +
Georgia requires workers' comp once you regularly employ three or more people, whether full- or part-time. Operating uninsured when required can bring civil penalties, fines, personal liability for benefits, and misdemeanor exposure for willful violations.
How much does restaurants & food service workers' comp cost in Georgia? +
Georgia uses NCCI class codes with generally moderate rates. 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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