Workers' Comp for Bars
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Why do bar employees need workers' comp insurance?
Bar, brewery, and nightclub professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for bar-work-related injuries.
Not only is workers’ comp coverage legally required for almost all bar, brewery, and nightclub businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.
The most common injuries experienced by employees working in bar, brewery, and nightclub services are:
– Muscle strains and sprains
– Cuts, punctures, and scrapes
– Fall or slip
Learn more about how workers’ compensation insurance can help protect small businesses.
More than three-quarters of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for bar, brewery, and nightclub employees who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the worker is killed in a work-related incident.
In addition to helping bar staff employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect bars from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a bar employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, bar injuries must:
have happened to a bar staff employee (not a vendor or independent contractor),
be the result of a bar workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your bar, brewery, or nightclub business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.