Workers Comp Class Code 9084 — Restaurant — Fast Food & Counter Service
Florida NCCI Workers Comp Classification
FL NCCI Rate
$1.05
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 9084, a worker earning $800/week costs just $8.37/week in workers comp through our PEO program.
FL NCCI Rate
$1.05/$100
per $100 payroll
Risk Level
Low
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 9084?
NCCI class code 9084 covers Restaurant — Fast Food & Counter Service in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 9084 is $1.05 per $100 of payroll, placing it in the low-risk tier.
Covers employees at fast food restaurants, counter service establishments, food trucks, and quick-service restaurants. Similar risks to full-service restaurants but with higher employee turnover and more part-time workers. Florida's tourism industry means fast food restaurants are extremely busy year-round.
Code 9084 is a non-construction classification. Florida requires workers' compensation for non-construction employers with 4 or more employees, though coverage is strongly recommended for businesses of any size to protect against catastrophic injury costs.
What Does This Rate Mean in Real Dollars?
At $1.98 per $100, a fast food worker earning $450/week costs about $8.91/week in workers comp. For a fast food location with 15 part-time workers averaging $350/week, that's roughly $104/week total. PEO handles the constant hiring and firing automatically.
Rate History — Code 9084
5-Year Rate Trend
Code 9084 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 9084 have remained relatively stable around $1.98 over the past 5 years.
Why PEO Makes Sense for Code 9084
No deposit. No audit. Same-day COI.
Fast food and QSR operators deal with constant employee turnover — sometimes 100-200% annually. PEO eliminates the administrative burden of managing workers comp for a revolving door of employees. New hires are covered automatically, terminated employees are removed, and you get one simple weekly invoice.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A fast food franchise in Orange County has 18 employees. A worker reaches into a fryer to retrieve a dropped basket and suffers severe burns to her arm. Workers comp covers the burn treatment, skin grafting, and 8 weeks of lost wages. The franchise owner avoided a $65,000 out-of-pocket expense.
Common Job Titles Under Code 9084
Top Workers Comp Risks for Code 9084
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 9084
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 9084, coverage is required when you have 4 or more employees. However, even with fewer than 4 employees, a serious workplace injury could result in significant personal liability.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 9084
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
29 CFR 1910.1200
Hazard Communication: requires a written HazCom program, labeled secondary containers, SDS access, and employee training for kitchen chemicals like degreasers, oven cleaners, and sanitizers used in fast-food operations.
29 CFR 1910.151(c)
Medical Services and First Aid: requires suitable facilities for quick drenching/eyewash where employees may be exposed to corrosive materials; many counter-service restaurants using concentrated cleaning chemicals must have an accessible eyewash within reach of the kitchen prep area.
29 CFR 1910.22
Walking-Working Surfaces: requires floors to be kept clean, dry, and free of hazards; for 9084 kitchens this means grease-control mats, prompt spill cleanup, and keeping aisles around fryers, drink stations, and counters clear to prevent slip-and-fall injuries.
29 CFR 1910.157
Portable Fire Extinguishers: requires proper selection, placement, inspection, and training; quick-service kitchens need Class K extinguishers near fryers and employees trained to use them alongside maintained hood suppression systems.
29 CFR 1910.147
Control of Hazardous Energy (Lockout/Tagout): requires de-energizing and controlling energy during servicing/cleaning of powered equipment; in fast-food settings this often uses the cord-and-plug exception when unplugging slicers or mixers, with procedures to ensure the plug remains under the exclusive control of the worker.
Florida Stop-Work Order Cases — Code 9084
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 9084.
Broward County, 2024 — A quick-service chicken-and-rice counter in Lauderhill was found operating 11 days after its workers’ comp policy was canceled for nonpayment, with five line/counter employees on shift. DFS issued a Stop-Work Order; penalty assessed was $55,000 ($1,000 per day per employee) plus twice the estimated unpaid premium of about $69 based on the $1.046 Florida 9084 rate, totaling approximately $55,069.
Orange County, 2023 — A pizza-by-the-slice counter near UCF admitted it had six employees and had gone 14 days uninsured after switching payroll providers. DFS investigators conducted a retail sweep and issued a Stop-Work Order; penalties were $84,000 ($1,000/day/employee) plus twice the unpaid premium estimated at $334 using the 9084 rate, for a total around $84,334.
Miami-Dade County, 2022 — A Cuban sandwich and cafecito walk-up window in Little Havana had eight workers on site and no active workers’ comp for seven days after a lapsed policy. DFS ordered a stop and assessed $56,000 ($1,000 per day per employee) plus twice the unpaid premium of roughly $205 at the $1.046 rate, totaling about $56,205.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 9084
Many standard insurance carriers restrict or decline coverage for businesses classified under code 9084. Understanding these declination triggers helps you find the right coverage path.
High frequency of slip, burn, and cut claims in 9084 kitchens (wet floors, fryers, knives) with limited loss control documented; underwriters see poor loss ratios and either surcharge heavily or decline.
Late-night hours and high-turnover teen workforce with inadequate training around fryers and hot surfaces; carriers flag exposure to minor employees near prohibited tasks and frequent small medical-only claims.
Any in-house delivery exposure (employees using cars/scooters) triggers reclassification to driver codes and materially changes the risk; many standard restaurant markets will decline a 9084 if delivery payroll isn’t cleanly segregated or is undisclosed.
Prior cancellations, lapses, or a Florida Stop-Work Order on the FEIN; most admitted markets will not offer a monoline policy to a 9084 with recent compliance issues or an EMR trending above 1.20 from multiple small kitchen injuries.
Common Workers Comp Audit Mistakes for Code 9084
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 9084. These are the most common audit mistakes to avoid.
Including credit-card tips as payroll or, conversely, failing to include employer-imposed service charges and delivery fees paid to staff; under NCCI, true tips are excluded but service charges paid by the employer are included — 9084s often mix these up.
Classifying shift leads or assistant managers as clerical (8810) even though they jump on the line, run the fryer, or prep food; any kitchen or counter work should remain in 9084 and auditors will reclassify the wages.
Excluding all overtime from payroll; only the overtime premium (the extra half-time) is excludable — auditors will add back the base rate portion, leading to additional premium for 9084 payroll.
Not disclosing occasional catering/pop-up events or commissary prep done off-site; auditors discover off-premises food service or travel and either move wages into a different code or add driver exposure, increasing premium and causing reclassification from 9084.
Experience Mod (EMR) & PEO Advantage
For code 9084, most claims are low-severity but high-frequency—slips near drink stations, fryer splashes, and knife cuts. Because the EMR penalizes frequency, a handful of small medical-only claims can push a restaurant’s mod over 1.00 and drive up premium on every dollar of 9084 payroll. A PEO places your location on a large master policy that isn’t rated solely on your individual loss history and adds kitchen-specific safety training and claims handling, helping stabilize costs while you drive those frequent injuries down.
Frequently Asked Questions — Code 9084
What is the workers comp rate for class code 9084 in Florida?
The Florida NCCI rate for class code 9084 (Restaurant — Fast Food & Counter Service) is $1.05 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $1,569.
Can I get same-day workers comp coverage for class code 9084?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 9084 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 9084 considered high-risk in Florida?
Code 9084 is classified as low-risk based on its NCCI rate of $1.05 per $100 of payroll. This is a low-risk classification that most carriers will cover at competitive rates.
What is the difference between a PEO and a traditional workers comp policy for code 9084?
A traditional policy for code 9084 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 9084, the annual cost would be approximately $1,569.
How do I switch to a PEO program if I already have a workers comp policy for code 9084?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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