Do You Need Workers’ Comp for Your Restaurant Staff?

In a fast-paced kitchen, injuries are almost inevitable. Knives slip. Ovens burn. Backs strain. That’s why workers’ compensation insurance is mandatory for restaurants in California—even if you only have part-time staff.

1. What Is Workers’ Comp?
It provides wage replacement, medical coverage, and rehabilitation benefits to employees injured on the job—while protecting you from lawsuits.

• Example: A line cook burns their hand. Workers’ comp pays for the ER visit, prescriptions, and time off.

2. Who Needs to Be Covered?

• Full-time employees

• Part-time staff

• Temporary or seasonal workers

• Kitchen crew, servers, bartenders, dishwashers

Even if someone works only a few hours a week, they must be covered.

3. What If You Don’t Have It?
Failure to carry workers’ comp in California can lead to:

• $10,000+ in fines

• Business closure orders

• Civil lawsuits from injured employees

4. Payroll and Classification Tips
To avoid audit issues:

• Classify employees correctly (e.g., 9079 for restaurant workers)

• Track hours for dual-role staff (like server/kitchen crossovers)

• Report accurate estimated payroll

Conclusion / CTA
Workers’ comp is more than a legal requirement—it’s a safety net for both you and your team. Contact Beyond Your Insurance to get a tailored quote and stay compliant without overpaying.