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.
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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