Restaurants Workers’ Compensation Insurance
Protect servers, cooks, dishwashers, and managers. Meet state requirements and keep shifts covered with workers’ comp designed for food‑service risks.
Employee Protection
Covers medical care, rehab, and a portion of wages for job‑related injuries.
Quote NowLegal Compliance
Required in CA and most states once you have employees—avoid fines & stop‑work orders.
Quote NowFinancial Security
Prevent a single accident from derailing your cash flow and schedules.
Quote NowRestaurant Risks
Slips, burns, cuts, lifting injuries, strains, and delivery‑related exposures.
Learn MoreFast COIs
Same‑day certificates to keep vendor contracts and leases moving.
Get COIMulti‑Location Ready
Coverage options for franchises, commissaries, and growth plans.
Talk to UsWhy Workers’ Comp is Essential
- Employee Protection: Medical care, rehab, and partial wage replacement for covered injuries.
- Compliance: Required once you have employees; protects you from penalties and lawsuits.
- Business Continuity: Keep shifts covered and operations running after incidents.
- Team Morale: Covered staff feel safer and stay longer.
Common Restaurant Risks Covered
- Slips and falls on wet floors or in dish areas
- Burns from hot surfaces, oil, ovens, and steam
- Cuts from knives, slicers, and food‑prep equipment
- Back strains and repetitive motion injuries from lifting and prep
- Chemical exposure from cleaning agents
- Delivery‑related injuries while on the job
Tip: We’ll review class codes (e.g., restaurant NOC, fast food, catering) and roles (front‑of‑house vs. back‑of‑house) to help prevent misclassification and manage premiums.
Who Needs Workers’ Comp?
- Restaurants & Cafés (full‑service, fast casual, quick‑serve)
- Bars & Brewpubs with kitchens
- Caterers and commissary kitchens
- Food Trucks and pop‑ups with employees
- Multi‑location Groups and franchise operators
Landlords, event venues, and delivery platforms often require proof of workers’ comp. Having a policy ready keeps you contract‑ready.
How JSSR Helps Restaurants
- We shop multiple carriers for affordable rates
- Same‑day Certificates for landlords and vendors
- Guidance on tipped & part‑time payroll and audits
- Options for multi‑location operations and expansion
Why Choose JSSR Insurance Agency
Local Expertise
Based in Lathrop • Serving CA & neighbors
Industry Knowledge
Restaurant class codes, safety, and loss control
Fast & Friendly
Talk to an agent who understands FOH and BOH realities
Service Area
We help restaurants across California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Modesto, San Jose, Fremont, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
How much does Workers’ Comp cost for restaurants?
Pricing depends on payroll, roles (servers vs. kitchen), class codes (restaurant NOC, fast food, catering), experience mod, and claims history. We’ll quote multiple carriers to secure a competitive premium.
Are part‑time and tipped employees covered?
Yes, employees are typically covered while on the job. We’ll help you report payroll accurately for part‑time and tipped staff.
What about delivery drivers?
Workers’ comp can address on‑the‑job injuries; for vehicle liability, ask us about adding Hired & Non‑Owned Auto to complement your coverage.
How fast can I get a Certificate of Insurance (COI)?
Same day in most cases once your policy is bound. We prioritize quick turnarounds for leases, vendors, and events.
Ready to Get Covered?
Protect your team, satisfy landlord/vendor requirements, and keep service smooth.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
