Workers' Comp for Restaurants in Florida
High injury rates, variable staffing, and tight margins make restaurant workers comp complex. Our PEO-backed, pay-as-you-go program gives you same-day coverage with no audit and no deposit.
Get My Restaurant QuoteWhy Restaurants Have High Workers Comp Claims
Florida restaurants file more workers comp claims per employee than almost any other industry. Here's what drives the cost.
Slip & Fall Injuries
Wet floors, grease spills, and fast-paced kitchen environments make slips the #1 workers comp claim in Florida restaurants.
Burns & Scalds
Cooks, line workers, and dishwashers face constant burn risk from fryers, ovens, steam, and hot liquids.
Cuts & Lacerations
Knife injuries are extremely common in food prep. Even experienced kitchen staff file claims regularly.
Repetitive Motion
Servers, prep cooks, and cashiers develop wrist, shoulder, and back injuries from repetitive tasks over time.
Lifting Injuries
Delivery receiving, stocking, and bussing tables cause back strains that are among the costliest restaurant claims.
Parking Lot Incidents
Delivery drivers and valet staff face vehicle-related injuries that require workers comp coverage.
No Audit. No Deposit. No Hassle.
Traditional workers comp policies for restaurants require a large upfront deposit and a year-end audit that can result in unexpected bills. Our PEO pay-as-you-go program eliminates both.
- Premium calculated on actual payroll — no estimates
- No year-end audit — ever
- No large deposit required to start
- Same-day Certificate of Insurance
- Coverage for any size restaurant — even 1 employee
- Bilingual support in English and Spanish
Pay-As-You-Go
Premium tied to actual payroll each cycle
No Audit
Zero year-end audit surprises
Same-Day COI
Certificate issued within hours
Any Size
Coverage from 1 to 500+ employees
Restaurant Types We Cover
From single-location diners to multi-unit chains — we cover them all.
Restaurant Workers Comp FAQ
Is workers comp required for restaurants in Florida?
Yes. Florida requires workers' compensation for any restaurant with 4 or more employees (non-construction). However, even with 1–3 employees, coverage is strongly recommended given the high injury rate in food service. Our PEO program can cover you regardless of size.
How much does workers comp cost for a restaurant in Florida?
Restaurant workers comp rates vary by job classification. Kitchen staff (class code 9082) and servers (9083) have different rates. Through our PEO structure, you pay per payroll dollar — no large upfront deposit, no annual audit surprises.
Can I get workers comp for a restaurant with no prior coverage history?
Absolutely. We specialize in new businesses and hard-to-place risks. Many restaurant owners come to us after being declined by standard carriers or after a gap in coverage. We can typically get you approved and issue a COI the same day.
What is pay-as-you-go workers comp for restaurants?
Instead of paying a large annual premium upfront, pay-as-you-go workers comp calculates your premium each payroll cycle based on actual wages paid. This eliminates the year-end audit and prevents overpayment — perfect for restaurants with variable staffing.
Can I add a certificate holder to my restaurant COI same day?
Yes. Once enrolled in our PEO program, you can request additional insured certificates and certificate holders same day. This is critical for restaurant owners who lease space and need to provide COIs to landlords quickly.
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