Workers' Comp for Catering
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Why do catering employees need workers' comp insurance?
Catering 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 catering-work-related injuries.
Not only is workers’ comp coverage legally required for almost all catering 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 catering are:
– Muscle strains and sprains
– Cuts, punctures, and scrapes
– Fall or slip
Learn more about how workers’ compensation insurance can help protect catering 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 catering 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 caterer is killed in a work-related incident.
In addition to helping catering staff employees and their families, workers’ compensation insurance can also help protect catering business owners. Workers’ compensation helps protect catering businesses 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 catering employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, catering injuries must:
have happened to a catering staff employee (not a vendor or independent contractor),
be the result of a catering 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 catering 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.
There are many different workers’ comp class codes within the catering services industry. Below are two of the most common class codes in the industry.