What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for restaurant 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 food services worker is killed in a work-related incident.
In addition to helping restaurant staff employees and their families, workers’ compensation insurance can also help protect restaurant business owners. Workers’ compensation helps protect restaurants 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 restaurant employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, restaurant injuries must:
have happened to a restaurant staff employee (not a vendor or independent contractor),
be the result of a restaurant 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 restaurant 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 food services industry. Below are a few of the most common class codes in the industry.
9082 – Work completed in a “traditional restaurant”
9083 – Work completed in a fast-food restaurant
9079 – Work completed in restaurants, taverns, and catering
9084 – Work completed in bar, discotheque, lounge, nightclub, or tavern
9058 – Work completed in food service operations