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COVERAGE / WORKERS' COMP / CLASS CODES / 9083
CLASS CODE · RESTAURANTS, FRANCHISE GROUPS

Class code 9083: fast food restaurants

Code 9083 is for businesses that prepare and serve food and drinks to eat in or take out, with no wait staff.

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

Restaurants that prepare and serve food with no wait staff.

What work does code 9083 cover?

Where alcohol is more than half of sales, a bar or tavern class applies instead, and a restaurant run by a hotel or motel goes to 9058. Doughnut and coffee shops that prepare and sell food to eat in or take out can qualify. The code is not assigned alongside another business's class unless the restaurant is run as a separate and distinct business.

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

  • 9082 Any restaurant with wait staff.
  • 9084 A bar or tavern, where alcohol is over half of sales.
  • 9058 A restaurant run by a hotel or motel.

Which pay counts toward code 9083 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 9083 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 9083 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 9083
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

Can a fast food restaurant have servers?
Not under 9083: Minnesota's wording says the code is not assigned to a business that employs wait staff.
Is code 9083 used in Texas?
No. Code 9083 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 9083 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 9082RestaurantsRestaurants not classed elsewhere, including those with wait staff.CODE 8869Child day careChild day care centers and day camps, all employees.INDUSTRYRestaurantsMulti-location hospitalityINDUSTRYFranchise groupsMulti-unit franchiseesALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.

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