Workers Compensation Class code 9079 is typically used for establishments in the food and beverage industry and includes, restaurants, taverns, bars, cafeterias, cafés, fast-food outlets, pubs, delis, mobile food outlets and other businesses involved in preparing, packaging, transporting or serving food and non-alcoholic as well as alcoholic beverages.
Food and beverage workers face significant work hazards on the job. Common non-fatal injuries and illnesses arising from everyday normal job duties and operations could include sprains, bruises, cuts, burns, lacerations and work-related musculoskeletal injuries and disorders. Risks may increase in busy kitchens, during food delivery, or while handling hot equipment and sharp tools.
Restaurant and Tavern Workers Compensation Insurance provides financial assistance to cover medical costs and lost wages when workers are harmed or suffer injury or illness while performing work related duties.
This policy also protects food and beverage business owners in the event an injured employee decides to file a lawsuit against them for a workplace injury. It forms a core part of risk management for restaurants and bars, especially those with high foot traffic or commercial kitchen operations. Underwriting factors may include employee duties, payroll size, and overall safety practices.
Operators of eating and drinking establishments — whether small cafés or large taverns — should consider workers compensation coverage as part of a broader business insurance strategy that may also include property coverage or general liability insurance.
Learn more about specialized coverage options on our pages for Restaurants Bars and Taverns Workers Compensation and Eating and Drinking Establishments Workers Compensation.
Frequently Asked Questions
What does workers compensation insurance cover for restaurants?
It typically covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job, such as from burns, slips, or repetitive motion injuries.
Who is required to carry class code 9079 workers comp coverage?
Most food and beverage businesses with employees, including restaurants, pubs, and cafés, are required by state law to carry this coverage.
Are part-time or seasonal restaurant staff covered?
Yes, most policies include part-time and seasonal workers, though coverage details may vary by insurer and state.
What factors influence the cost of workers comp insurance?
Costs are affected by payroll size, number of employees, claims history, and the type of food and beverage operations conducted.
Is workers compensation insurance the same as general liability?
No, workers compensation covers employee injuries, while general liability covers third-party claims like customer injuries or property damage.
Still have questions? Talk to a local insurance expert.