Workers Comp Insurance for Florida Restaurants
Florida restaurants face a unique combination of high employee turnover, variable staffing, and elevated injury risk from kitchen hazards. Workers’ comp is required for any restaurant with four or more employees — and the right coverage structure can mean the difference between a manageable premium and a year-end audit shock.
Quick Answer: What Does Restaurant Workers Comp Cost in Florida?
Full-service restaurants (code 9082) pay $1.160 per $100 of payroll. Fast food / quick-service (code 9083) pay $1.197 per $100. A restaurant with $500,000 in annual payroll pays approximately $5,960–$6,145/year before experience modification.
2026 Florida Restaurant Workers Comp Rates (FWCJUA Filed)
| Class Code | Business Type | Rate / $100 Payroll | Example (50K payroll) |
|---|---|---|---|
| 9082 | Full-Service Restaurants (wait staff) | $1.160 | $580 |
| 9083 | Fast Food / Quick-Service Restaurants | $1.197 | $599 |
| 9084 | Bars / Taverns | $1.380 | $690 |
| 7380 | Delivery Drivers (company vehicles) | $4.492 | $2,246 |
Florida Restaurant Workers Comp Compliance
Required for restaurants with 4 or more employees (including part-time). Stop-work orders can shut down your restaurant immediately for non-compliance. Fines of $1,000 per day retroactive to the date coverage lapsed. Pay-as-you-go PEO arrangements are available for restaurants with variable seasonal staffing — no deposit, no year-end audit.
Get a Restaurant Workers Comp Quote
Call (239) 475-0361 or request a quote online. Pay-as-you-go options available. Same-day certificates.