Restaurants & Hospitality
Class Code 9082: Restaurant NOC — Workers' Comp Insurance
Covers full-service, sit-down restaurants, including kitchen staff, servers, bartenders, and hosts. It's the standard classification for a typical dine-in restaurant that isn't specifically a fast-food operation.
- Risk level:
- moderate
What code 9082 covers
Class 9082 applies to full-service restaurants where customers are generally served at a table, covering kitchen and food-prep staff, wait staff, bussers, hosts, and bartenders where alcohol service is part of the operation. Kitchen work — cutting, cooking on hot equipment, and moving heavy pots — carries different exposure than front-of-house serving, but both fall under this single classification. This code is distinct from fast-food or counter-service restaurants (9083), which NCCI treats as a separate classification given differences in service model and staffing patterns, even though the underlying kitchen hazards are similar. Restaurants with a separate bar or lounge area operating late hours with entertainment may need that portion evaluated alongside a bar/nightclub classification depending on how distinct that operation is from the dining room.
Included operations
- Kitchen prep, cooking, and dishwashing
- Wait staff, bussing, and host/hostess duties
- Bartending where alcohol service is part of the restaurant
- Food delivery drivers employed directly by the restaurant
Assigned elsewhere
Businesses that typically carry 9082
- Full-service, sit-down restaurants
- Casual and fine dining establishments
- Restaurants with a bar or lounge area
- Family-style restaurants
- Independently owned locations
- Franchise and chain locations
- Multi-location hospitality operators
Common misclassifications
Code 9083
Fast-casual restaurants with some table service can sit in a gray area between full-service and fast-food classifications.
Code 9084
A restaurant with a large, active bar and late-night entertainment can start to resemble a nightclub classification depending on the balance of food versus bar/entertainment revenue.
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What drives the cost of code 9082
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Hours of operation, whether alcohol is served, and any entertainment offered
- Kitchen equipment, staffing levels, and food-prep versus front-of-house duties
- Prior claims history, especially slips, falls, and cuts or burns
- Seasonal staffing swings and use of tipped employees
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 9082 fits
Quote class code 9082.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 9082 questions
Does this code cover both kitchen and serving staff?
Yes, 9082 covers the full restaurant team, from kitchen prep and cooking to serving, bussing, and bartending.
How is this different from the fast-food code?
9083 applies specifically to fast-food/counter-service restaurants; 9082 is for full-service, sit-down dining.
What if our restaurant has a busy bar area?
A bar operating as part of the restaurant's normal service is typically included; a large, separately operated nightclub-style bar may need closer review.
Are our own delivery drivers covered under this code?
Yes, drivers employed directly by the restaurant for food delivery are typically included in this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents