Learn about Texas workers compensation for restaurants including costs and coverage. Workers comp helps TX food service businesses & their employees by covering legal fees for defense of work-related injuries, employee medical expenses and lost wages.
TX 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 TX 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 Texas 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 Texas 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 TX 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.
According to the Texas Workforce Commission: TX, unlike other states, does not require an employer to have workers' compensation coverage. Subscribing to workers' compensation insurance puts a limit on the amount and type of compensation that an injured employee may receive - the limits are set in the law. See TX 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 TX specific laws, as they'll surely have information on what you need to do to comply.
Fullest Coverage Or Exclude Owners?
The TX 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.
Having Texas 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:
- First off, you can train your employees on how to lift items and avoid injury. Make sure to have proper and safe equipment in your kitchens, so that your chefs and waiters can stay safe while handling food and equipment.
- Proper attire is important for all staff so that they are not getting injured in the chaotic restaurant environment.
- In addition, putting around signs and cleaning up right after major spills can prevent any injuries (and should be done to protect customers as well).
Proper training and education can help cut off many accidents before they occur.
TX Food Service Workers Compensation Class Codes
9079 - RESTAURANT NOC
9079 - RETAIL NOC & FOOD SERVICE: Includes the serving of food, ice cream or beverages
9079 - FAST FOOD RESTAURANT - COUNTER SERVICE/CARRY OUT
9079 - RESTAURANT - FAST FOOD
9079 - TAVERN, BAR, OR NIGHT CLUB: Includes musicians and entertainers.
9079 - BAR, NIGHT CLUB, OR TAVERN: Includes musicians and entertainers.
9079 - NIGHT CLUB, BAR OR TAVERN: Includes musicians and entertainers.
9079 - MOBILE FOOD UNITS: PREPARATION OF FOOD
9079 - CATERER
9079 - CONCESSION STANDS
9079 - CAFETERIAS
9079 - COMMISSARY WORK: Applies only in connection with construction, erection, lumbering or mining operations and includes cooks, waiters, waitresses and other employees engaged in furnishing board or lodging.
9079 - RACETRACK OPERATION - AUTOMOBILE - FOOD CONCESSION BOOTHS
9079 - RACETRACK OPERATION - DOG - FOOD CONCESSION BOOTHS
9079 - RACETRACK OPERATION - HORSE - FOOD CONCESSIONS
Texas Workers Compensation For Restaurants - The Bottom Line
We hope this article on Texas 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.
Get a downloadable version of this article: Texas Workers Compensation For Restaurants
Further Reading On Worker's Comp Insurance
- Workers Compensation Insurance
- How To Reduce Workers Compensation Premiums
- How To Understand Your Workers Compensation Experience Modification Factor
- How Much Does Workers Comp Cost In California?
- How Much Does Workers Comp Cost In Texas?
- Texas Workers Compensation Laws For Employers
- Uninsured Subcontractors Workers Compensation
- Workers Comp Insurance Audit
- Workers Compensation Classification Codes
- Workers Compensation Code 8810
- Workers Compensation For Restaurants
TX Workers Compensation For Restaurants Quotes
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