Workers' Comp for Restaurants
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Why do restaurant employees need workers' comp insurance?
Restaurants professionals—including those who work in many types of food services—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 restaurant-work-related injuries.
Not only is workers’ comp coverage legally required for almost all restaurant businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining restaurant staff, and replacing or repairing damaged equipment.
The most common injuries experienced by employees working in food services are:
– Muscle strains and sprains
– Cuts, punctures, and scrapes
– Fall or slip
Learn more about how workers’ compensation insurance can help protect restaurant small businesses.
Over 80% 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 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.