Restaurant workers compensation insurance.
Kitchen staff, servers, bartenders, and delivery drivers all face different injury risks, and workers compensation is required in nearly every state once you have employees. Class codes and payroll drive the cost.
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Why restaurants need it
A restaurant kitchen is a high-injury environment, burns, cuts, slips, and lifting, and servers and delivery staff add their own exposure. Workers compensation covers those employee injuries and the medical and wage costs that follow, and it is mandatory in nearly every state with employees.
Class codes and the audit
Workers comp is priced by class code and payroll, and restaurants often have several codes, kitchen, service, delivery. Misallocated payroll or wrong codes inflate the premium and produce surprise bills at the year-end audit. Getting them right is where the savings are.
Delivery and seasonal staff
Delivery drivers, seasonal hires, and event staff complicate the picture, and uninsured delivery exposure can reach beyond workers comp into auto. We make sure the program reflects who actually works for you and how.
Common questions.
Is workers comp required for restaurants?
Why did my workers comp audit raise my premium?
Do delivery drivers change my workers comp?
Is this coverage right on your policy?
Tell us how your restaurant operates and we will check this coverage against the way you actually run. Educational, no obligation.
Get workers comp priced and classified right.
Tell us about your staff and we will make sure class codes and payroll are accurate.