Restaurants & Hospitality
Class Code 9083: Restaurant—Fast Food — Workers' Comp Insurance
Covers fast-food and quick-service restaurants where customers order at a counter or drive-thru rather than being served at a table. It reflects the higher-volume, faster-paced kitchen and counter environment typical of quick-service operations.
- Risk level:
- moderate
What code 9083 covers
Class 9083 applies to fast-food and quick-service restaurants, covering counter staff, drive-thru employees, and kitchen crew preparing food for a high-volume, fast-turnaround service model. While the underlying kitchen hazards — hot equipment, fryers, and food-prep cuts — overlap with full-service dining, the pace and staffing structure of quick-service restaurants is different enough that NCCI treats it as its own classification. Drive-thru operations add some additional considerations around traffic and window-service duties compared to a purely walk-up counter model. Restaurants that combine a fast-food-style counter with some table service may need underwriting review to determine whether 9082 or 9083 is the better overall fit.
Included operations
- Counter and drive-thru order taking and payment
- Fast-paced food prep and cooking on quick-service equipment
- Fryer and grill operations
- Dining area cleaning and maintenance
Businesses that typically carry 9083
- Quick-service and fast-food restaurants
- Drive-thru restaurant locations
- Counter-service casual dining
- Independently owned locations
- Franchise and chain locations
- Multi-location hospitality operators
Common misclassifications
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What drives the cost of code 9083
- 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.
Related class codes
Where code 9083 fits
Quote class code 9083.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 9083 questions
Does this code cover our drive-thru employees?
Yes, drive-thru order-taking and window service are part of this classification.
What if we offer some table service in addition to counter ordering?
We review the overall service model to determine whether the fast-food code or the full-service restaurant code is the better fit.
Is fryer and grill work a factor in how this class is rated?
Yes, kitchen equipment and food-prep hazards are a standard part of underwriting a quick-service restaurant.
Does this code apply to a coffee shop with a limited food menu?
It depends on the specific menu and service model; we review the operation to confirm the best classification fit.
Last reviewed · Reviewed by Provident Financial Group licensed agents