Workers comp rates for code 9081: Restaurant, With Entertainment
NCCI class code 9081 covers Restaurant, With Entertainment in the restaurant industry. The filed rate in California is $2.59 per $100 payroll, per the state's most recent rate filing.
Also known as: Dinner Theater · Nightclub with Food
What does NCCI class code 9081 cover?
Class code 9081 classifies employees performing Restaurant, With Entertainment, also known as Dinner Theater, Nightclub with Food. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 9081 falls within the restaurant industry group and is filed in California.
NCCI's governing classification rules state that a single-classification employer with at least 51% of payroll in this occupation generally classifies all employees under code 9081, with two standard exceptions: clerical office work (segregated payroll records required, reported under code 8810) and outside sales / collectors (code 8742). If your operation has multiple distinct activities, ask your underwriter about a multi-class split before accepting a single-code rating.
Why code 9081 only appears in California
Some class codes are state-specials: classifications a single rating bureau maintains for an occupation that other states fold into broader codes. Code 9081 currently has a filed rate only in California ($2.59 per $100 payroll). If you operate in another state, your insurer will classify the same work under a different code, use the class-code finder to locate the equivalent for your state.
How to use this code 9081 rate data
- Identify the right state filing. Use the table below to find your state's filed rate. If your carrier is quoting at a higher rate, the difference is either schedule debit, EMR, deductible loading, or a state-fund surcharge, ask which.
- Calculate your effective rate. Effective rate = base rate × EMR ± schedule credit/debit ± deductible loading. Two carriers quoting code 9081 at the same base can vary 30%+ on effective rate after these adjustments.
- Build a 3-year EMR strategy. A 0.85 EMR cuts base rate by 15%; the difference between 0.85 and 1.25 EMR on the same code is a 47% premium difference. Frequency control (preventing every claim, even small ones) drives EMR more than severity control.
Code 9081 rates in all 1 states
| State | Code | Rate per $100 | vs peers | Source |
|---|---|---|---|---|
| California | 9081 | $2.59 | - | view |
Bottom quartile (cheap) Mid Top quartile (expensive)
What types of claims drive code 9081 rates?
Workers comp rate filings for code 9081 reflect what's actually happening on the job, not just generic occupation hazard. NCCI publishes loss-cost analyses showing which injury categories account for the bulk of indemnity (lost-wage) and medical claim cost. For Restaurant, With Entertainment, the top drivers are typically:
- Burns and lacerations from grills, fryers, and knives dominate kitchen claim frequency.
- Slips, trips, and falls on wet or greasy floors, particularly in BOH areas, are persistent claim drivers.
- Lifting strains from moving stock, ingredient cases, and dishwashing produce shoulder and back claims.
- Cumulative trauma for cooks and prep staff, repetitive knife and stovetop work, is a slower-developing claim type.
Targeting these drivers in your safety program produces the largest EMR improvement. Frequency control (preventing every claim, including small medical-only incidents) drives the modifier more than severity control. A documented written safety program addressing the top two drivers above is typically the highest-ROI intervention for employers paying for code 9081.
FAQs about NCCI 9081
What occupation is NCCI class code 9081?
Class code 9081 is "Restaurant, With Entertainment" (also known as Dinner Theater, Nightclub with Food), in the restaurant industry. The code is filed in California.
What is the average workers comp rate for code 9081?
In California, the filed rate for code 9081 is $2.59 per $100 of payroll, per the state's most recent rate filing.
Why does code 9081 cost more in some states than others?
Workers comp rates reflect each state's loss experience for that occupation, the rating bureau's methodology (NCCI vs. independent), schedule rating credits, and the state's medical-cost inflation. Some states are monopolistic (only the state fund writes coverage) while others are open competitive markets.