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COVERAGE / WORKERS' COMP / CLASS CODES / 9082
CLASS CODE · RESTAURANTS

Class code 9082: restaurants

Code 9082 is the general restaurant class. A restaurant with wait staff is here, not in the fast food class.

SYSTEM
NCCI numbering
INDUSTRY
Restaurants
WHERE
NCCI states, not Texas
PREMIUM ON
Payroll in this class
WHAT THE CODE COVERS

Restaurants not classed elsewhere, including those with wait staff.

What work does code 9082 cover?

Minnesota also uses 9082 for caterers. A restaurant run by a hotel or motel goes to 9058, and musicians or entertainers are classed separately. A doughnut or coffee shop that doesn't qualify as fast food falls back to 9082.

Described in our own words from Minnesota's rating bureau manual. Minnesota has its own rating bureau, so NCCI's wording may differ. Wording and scope differ by state; the manual filed in your state decides.

Often confused with

  • 9083 Fast food: food prepared and served with no wait staff.
  • 9058 A restaurant run by a hotel or motel.

Which pay counts toward code 9082 premium?

Premium is figured on payroll for the work in this class, and the rate is premium per $100 of it. What counts is set state by state. Minnesota's manual and Oregon's state fund, SAIF, both count employees' pre-tax deductions, such as 401(k) and Section 125 contributions, and both leave out the overtime premium, the extra half of time and a half (Minnesota requires records that show overtime pay by employee and by class). Check your state's rules. In Minnesota and at SAIF, tips customers choose to leave don't count; service charges and automatic gratuities paid to employees do.

WHERE IT APPLIES

Where does code 9082 apply?

NCCI is the rating bureau

These states have named NCCI their rating organization, so the code comes from NCCI's manual, with each state's exceptions.

Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia

Texas does not list 9082 in its advisory loss costs effective July 1, 2026, so a Texas policy uses another class for this work.

Own rating bureau: check its manual

An independent bureau sets the classes. Many numbers match NCCI's, but wording and scope can differ: Indiana's bureau files NCCI's manual with Indiana-specific codes, while Minnesota's publishes its own.

California, Delaware, Indiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Wisconsin

State fund only

NCCI lists these as monopolistic states: workers' comp comes from the state fund, so ask the fund how it classes your work. Ohio's fund rates on NCCI classification codes; North Dakota, Washington and Wyoming use their own. Washington has its own risk classes and publishes hourly rates, so premium there follows hours worked, not payroll.

North Dakota, Ohio, Washington, Wyoming

Listed differently in these states

Sources: NCCI State Map: NCCI, independent bureau and monopolistic states; TDI: Texas advisory loss costs, effective July 1, 2026. Each state's rules and sources: Workers' comp by state.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Payroll in this class
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · CODE 9082
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

In North Dakota, Ohio, Washington and Wyoming, ask the state fund for your class and rate.

COMMON QUESTIONS

What's the difference between 9082 and 9083?
In Minnesota, 9083 is for places that prepare and serve food without wait staff; a restaurant with wait staff stays in 9082.
Is code 9082 used in Texas?
No. Code 9082 is not in Texas's advisory loss costs effective July 1, 2026, so this work takes another class there. Your carrier or advisor confirms which.
How is the premium for code 9082 worked out?
Your payroll in this class, divided by 100, times your carrier's rate for the class. Then your experience mod, any schedule credit or debit, and an expense constant if your policy has one. Premium discounts, state assessments and minimum premiums are separate.

SOURCES

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

New to workers' comp? Worklio HCM explains workers' compensation.

MORE CLASS CODES

CODE 9083Fast food restaurantsRestaurants that prepare and serve food with no wait staff.INDUSTRYRestaurantsMulti-location hospitalityALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.

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