New York Workers Compensation
For Restaurants (Costs & NY Requirements)

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Learn about New York workers compensation for restaurants including costs and coverage. Workers comp helps NY food service businesses & their employees by covering legal fees for defense of work-related injuries, employee medical expenses and lost wages.

NY Workers Compensation For Restaurants

New York Workers Compensation For Restaurants

If you work in food service, you know there are plenty of accidents or mishaps that happen regularly. Anything from a wet floor to hot grease can pose a danger to employees.

Workers compensation exposures come from slips, falls, cuts, puncture wounds, burns, foreign objects in the eye, hearing impairment from noise, heavy and awkward lifting, and interactions with customers. Employees must be trained on the carrying of heavy dishes between the kitchen and the serving areas. Food and beverage handling can result in passing bacteria or viruses, resulting in illness. While smoking is prohibited in bars in many states, others still permit this. In those states, workers can incur occupational disease from the ongoing inhalation of secondhand smoke.

As with all retail businesses, hold-ups are possible, so employees should be trained to respond in a prescribed manner. Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. The employees in many restaurants tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive signs of management control.

If you are an owner of a NY food business or restaurant, you need to protect yourself from potential liability for things that happen to your employees while they are on the job. Accidents can be crippling to your business if you are made to pay out large sums of money each time.

The best solution is to get New York workers compensation for restaurants so that you can run your business with peace of mind.

What Is Workers Compensation Insurance?

Workers compensation insurance is a plan that shields you and your business from claims by employees that have been hurt on the job. If someone that is working for you suffers an injury (or even dies), this policy takes care of the costs associated with that so that you do not have to pay out-of-pocket. It covers lost wages and any medical costs of employees that have been injured on the job. In extreme cases, it can also cover death benefits should a family member chose to sue you.

Without New York workers compensation for restaurants coverage, you have to pay all medical fees and legal services upfront. And the failure to do so can lead to large fines and even imprisonment in some states.

What Does Workers Comp For Food Service Businesses Cover?

There are many things that can happen in a NY restaurant, but the most common things you can see covered are events such as slips and falls from wet floors, cuts from knives while cutting food, burns from any surface or liquid, and muscle (or bone) injury from carrying heavy objects.

However, external events can also be covered. Often times the restaurant being robbed can cause damage or injury to employees. Robberies and assaults are usually covered if they happen while you are on the job. Car accidents, if they happen when going to and from a work-related location, can also be covered by workers comp.

Jurisdictional Differences

New York requires workers compensation coverage if you have any non-owner or partner emloyees. See NY workers comp class codes for more information.

Part-time contractors may even need to be covered as well. When talking to your insurance company, make sure to ask about NY specific laws, as they'll surely have information on what you need to do to comply.

Fullest Coverage Or Exclude Owners?

The NY workers comp policy you get should have high enough limits to make sure you don't have to pay directly for your employees injuries. As a restaurant owner you may want to include yourself under your workers comp coverage to give yourself protection if because of a work related injury become sick, hurt or otherwise unable to work. If this is something you are not able to afford, typically owners and partners can always opt out with certain plans. Talk to your insurance agent to make sure you are getting the most relevant coverage for your business.

Risk Management

Having New York workers compensation coverage is necessary for your food service business though it's not the only thing you can do to reduce cost. Before your insurance kicks in, you can take steps to stop accidents from happening:

Proper training and education can help cut off many accidents before they occur.

NY Food Service Workers Compensation Class Codes

8043 00 - RETAIL STORE NOC - INCLUDING SERVICE OF FOOD - NOT RESTAURANTS: Separately rate any location at which more than 50% of the sales is derived from the sale of prepared food as Code 9071 or Code 9072. The term food as used in this classification does not include ice cream and soft drinks.

8043 01 - BAGEL SHOPS-RETAIL: Applies to shops engaged in selling bagels with spreads and/or made into sandwiches. Includes the sale of beverages and other food for consumption on or away from the premises. This class can only be applied if the sale of prepared items is 50% or less of the gross receipts. If the gross receipts of prepared items is more than 50% of the total gross receipts, the entire operation, including the bagel manufacturing, shall be assigned to Code 9071 or 9072. Separately rate bagel manufacturing as Code 2003. Separately rate the retail sale of bagels sold without spreads or made into sandwiches as Code 8017 provided the majority (more than 50%) of the sales are derived from the sale of NOC items.

8043 02 - DRUG OR CIGAR STORE-RETAIL-INCLUDING SERVICE OF FOOD-NOT RESTAURANTS: Separately rate any location at which more than 50% of the sales is derived from the sale of prepared food as Code 9071 or Code 9072. The term food as used in this classification does not include ice cream and soft drinks.

9058 00 - HOTEL NOC-RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 01 - BOARDING HOUSE OR HOTEL - RESORT - RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 02 - BOARDING HOUSE OR HOTEL - SEASONAL - RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 03 - CASINO GAMBLING - HOTEL - RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 04 - HOTEL OR BOARDING HOUSE RESORT - RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 05 - HOTEL OR BOARDING HOUSE SEASONAL - RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9058 06 - HOTEL-CASINO GAMBLING-RESTAURANT EMPLOYEES: Includes musicians, players or entertainers. May only be used in conjunction with either Code 9044 or or Code 9052 for restaurant and/or beverage service operations conducted within or adjacent to a hotel or motel.

9071 00 - RESTAURANT-FULL-SERVICE-INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to full-service restaurants, buffet-type establishments, banquet halls, cafes, diners and other food establishments that provide wait service.

9071 01 - CATERING-INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to full-service restaurants, buffet-type establishments, banquet halls, cafes, diners and other food establishments that provide wait service.

9072 00 - RESTAURANT-FAST FOOD-& DRIVERS: Applies to fast food type restaurants including, but not limited, to pizza parlors, sandwich shops, donut shops, concession stands, hamburger, taco or fried chicken establishments. This class also includes take-out food establishments. These types of establishments prepare and serve food and non-alcoholic beverages which can be consumed on or off the premises.

9072 01 - DOUGHNUT SHOPS &:DRIVERS - RETAIL: Applies to shops engaged in the preparation and sale of doughnuts, coffee or other food for consumption on or away from the premises.

9074 00 - BAR, DANCE CLUB, LOUNGE, NIGHTCLUB OR TAVERN - INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to the operation of a bar, dance club, lounge, nightclub or tavern where the gross receipts of alcoholic beverages exceed 50% of the total receipts of food and non-alcoholic beverages.

9074 01 - DANCE CLUB, BAR, LOUNGE, NIGHTCLUB OR TAVERN - INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to the operation of a bar, dance club, lounge, nightclub or tavern where the gross receipts of alcoholic beverages exceed 50% of the total receipts of food and non-alcoholic beverages.

9074 02 - LOUNGE, BAR, DANCE CLUB, NIGHTCLUB OR TAVERN - INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to the operation of a bar, dance club, lounge, nightclub or tavern where the gross receipts of alcoholic beverages exceed 50% of the total receipts of food and non-alcoholic beverages.

9074 03 - NIGHTCLUB, BAR , DANCE CLUB, LOUNGE OR TAVERN - INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to the operation of a bar, dance club, lounge, nightclub or tavern where the gross receipts of alcoholic beverages exceed 50% of the total receipts of food and non-alcoholic beverages.

9074 04 - TAVERN, BAR, DANCE CLUB, LOUNGE OR NIGHTCLUB - INCLUDING ENTERTAINERS AND/OR MUSICIANS: Applies to the operation of a bar, dance club, lounge, nightclub or tavern where the gross receipts of alcoholic beverages exceed 50% of the total receipts of food and non-alcoholic beverages.

New York Workers Compensation For Restaurants - The Bottom Line

We hope this article on New York workers compensation for restaurants was informative. Accidents happen every day in restaurants. Working with hot liquids, oil and gas, and lifting heavy boxes can put many employees at risk for injury, which you may have to compensate them for. Additionally, the time they do not spend at work can cost you (and them) money. The best way to protect yourself from having to pay out massive fees each time there is an accident is to make sure you get a workers comp policy for food service in force before anything happens. NYS workers compensation manual, NYSIF workers comp rates, restaurant workers comp class code, 9082 workers comp code, workers compensation restaurant industry, 9082 restaurant noc, 9083 workers comp code.

Get a downloadable version of this article: New York Workers Compensation For Restaurants

Further Reading On Worker's Comp Insurance

NY Workers Compensation For Restaurants Quotes

New York Insurance

Request a Workers Compensation For Restaurants Insurance quote in Albany, Amherst, Auburn, Babylon, Binghamton, Bronx, Brookhaven, Brooklyn, Buffalo, Clarkstown, Clay, Colonie, Elmira, Glen Cove, Greenburgh, Hamburg, Hempstead, Huntington, Islip, Ithaca, Jamaica, Jamestown, Long Beach, Manhattan, Middletown, Mount Vernon, New Rochelle, Newburgh, Niagara Falls, Orangetown, Oyster Bay, Perinton, Poughkeepsie, Queens, Rochester, Rome, Rye, Schenectady, Smithtown, Southampton, Staten Island, Syracuse, Tonawanda, Troy, Union, Utica, Watertown, West Seneca, White Plains, Yonkers and all other cities in NY.

New York Insurance Rules & Regulations

In the state of New York, there are a couple of different types of insurance that are regulated by the state that you should be aware of - as well as the regulations behind them. Understanding what is required for business and personal insurance will help you make sure that you have the right insurance if you ever decide to open a business or even if you are simply looking for information on what kinds of personal insurance you need and what sort of oversight there is for them. Let's take a closer look at personal and business insurance in NY State.

NY Commercial Insurance

The first type of insurance is general liability insurance. Although general liability insurance is not required by law for New York businesses, it is a good thing to have. General liability protects companies from lawsuits that stem from slips and falls, damage to property while they are on the premises and a variety of other potential incidents that customers may file a lawsuit for. General liability simply keeps you safe in case something happens to someone on your property and they decide to bring a lawsuit against you.

In addition, businesses in New York must carry specific types of insurance such as Worker's Compensation insurance when they have at least one full or part-time employee. This does not apply to independent contractors and subcontractors. The only other regulation in New York is that commercial vehicles that are operating as part of a business must carry commercial auto insurance.

New York Personal Insurance

Now, we move onto personal insurance starting with auto insurance. New York State requires that anyone operating a motor vehicle carry liability insurance with $25,000 for bodily injury to one person and $50,000 total for a single accident. In addition, motorists must carry $10,000 for property damage as well.

There are also some regulations governing life insurance. In Article 32 of the New York Consolidated Law it says that residents have a free look period that is limited to 10 days, as well as a grace period of 31 days and then insurance companies must make timely payments within 30 days of receiving notification of the death. If the insurance company does not make these payments on time, then interest can be added to the amount owed. You can find out more about this life insurance information as well as information on the New York state guaranty that ensures that you will receive a payment even if your life insurance company goes out of business.


If you are looking for state specific Workers Compensation For Restaurants quotes, costs and information: California Workers Compensation For Restaurants, Colorado Workers Compensation For Restaurants, Delaware Workers Compensation For Restaurants, Florida Workers Compensation For Restaurants, Illinois Workers Compensation For Restaurants, Kentucky Workers Compensation For Restaurants, New Jersey Workers Compensation For Restaurants, New York Workers Compensation For Restaurants, Oregon Workers Compensation For Restaurants, Pennsylvania Workers Compensation For Restaurants, Texas Workers Compensation For Restaurants.

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