Common restaurant claims
Burns from fryers and grills, knife cuts, slips on wet or greasy floors, and back strains from moving stock are the injuries restaurants see most. Delivery drivers add auto-related exposure if they use their own cars on the job.
Simple controls such as anti-slip mats, cut-resistant gloves, fryer safety training and clear walkways help prevent claims, and insurers notice when they are in place.
Payroll, tips and turnover
Restaurant premium is based on payroll, and how tips are treated depends on state rules. High turnover and many part-time workers make it important to update payroll estimates during the year rather than waiting for the audit.
Pay-as-you-go billing, where premium is calculated from each payroll run, is popular with restaurants because it matches cost to actual staffing.
Food service businesses we help with
- Full-service restaurants
- Quick-service and fast casual
- Cafes and coffee shops
- Bars and taverns
- Caterers and event kitchens
- Bakeries and delis
Restaurants workers comp by state
Requirements and rating rules vary by state. Choose your state for the essentials, including who must carry coverage and who oversees it.
Frequently asked questions
Are tips included in payroll for workers comp?
It varies by state and rating bureau. Some include reported tips in remuneration and some do not. Your agent can confirm the rule in your state so your estimate is accurate.
Does workers comp cover a delivery driver's car accident?
Workers comp can cover the employee's injuries from a work-related accident. Damage to vehicles and injuries to others are handled by auto insurance, including hired and non-owned auto coverage.
Is pay-as-you-go available for restaurants?
Many carriers offer it through payroll providers. It reduces the upfront deposit and makes the year-end audit simpler.