Restaurant Workers’ Comp Class Code

Topics: Workers' Compensation

AmTrust has a broad appetite for small business, with more than 350 eligible classes that we write for workers’ compensation coverage. Let’s further examine one of those many different classes: restaurants.

Workers' Compensation for Restaurants

The restaurant industry is an ever-evolving and booming with over 1 million restaurant locations in the U.S. employing over 14.7 million workers. Most restaurants are small businesses with fewer than 50 employees, and each has unique commercial insurance needs. The AmTrust Restaurant Program provides tailored coverage to a variety of establishments and is available to both single and chain restaurants.

Restaurants have unique risks. They present a multi-faceted hazard and injury risk for both employees and customers.  AmTrust Financial has a unique perspective to the restaurant industry with data compiled from processing thousands of workers’ compensation claims. The data has provided insights into common restaurant workers’ injuries, lost time in the workplace and the impact of seasonality on increased injury risk.

View the Restaurant Risk Report to learn about the hazards restaurant employees face and how to prevent them.

AmTrust Writes Restaurant Class Codes

We look at the story behind every account to try and understand the risk involved and will make exceptions in certain cases, but as a general rule:
  • Fewer than 75 employees per shift
  • Incidental delivery/off-premises catering, with applicable controls in place. Examples of these include:
    • MVR checks upon hire (and annually for drivers)
    • No delivery past a certain hour
    • Cash handling procedures for delivery employees
    • Ability to deny delivery to an unsafe location
  • New ventures acceptable with ownership experience in the field
Here are just a few examples of the type of restaurants we would cover:

top restaurant class codes

This material is for informational purposes only. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors. Coverages may vary by location. Contact with your local RSM for more information.

Time Zones