Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Running a restaurant in Florida means managing busy seasons with extra staff and slower periods with fewer workers. Year-round risks like kitchen accidents and slips are always present.
Workers' comp insurance covers medical expenses and lost wages if an employee gets hurt, and with the right safety practices, you can keep premiums low while maintaining a safe environment.
In Florida, restaurants with four or more employees are legally required to carry workers' compensation insurance. This applies to all staff, including chefs, bartenders, dishwashers, and waitstaff, as well as part-time workers.
Failure to meet this requirement can lead to serious consequences, such as fines and stop-work orders. Learn more about Florida Workers’ Compensation Laws here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
For more details on class codes, or if your state uses different codes, visit Workers’ Comp Class Codes for Restaurant Workers 2025 for more info.
9082 - Restaurant NOC
9082 - Pizza Shop
9082 - Sandwich Shop
9082 - Concession Stand
9083 - Restaurant: Fast Food
9084 - Bar, Discotheque, Lounge, Night Club or Tavern
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more detailed strategies, check out these tips on how restaurant owners can save money on their workers' compensation insurance.
Consider a pay-as-you-go option for workers' comp. This allows you to adjust payments based on actual payroll, so you don’t overpay during slower times. However, make sure to report your payroll accurately to avoid any mistakes. Read our pay-as-you-go workers' comp blog before deciding if it's the right choice.
Yes! All part-time employees, including those paid in cash, via Venmo, Zelle, or Cash App, must be covered by your workers’ comp policy. Failing to do so could result in penalties.
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