Restaurants & Food Service workers compensation in Indiana
Restaurants & Food Service businesses in Indiana pay a median rate of $0.805 per $100 of payroll, ranging from $0.770 to $0.840. The national median for Restaurants & Food Service is $0.810, so Indiana sits 1% below the national average. 2 unique NCCI class codes are filed in this state for Restaurants & Food Service occupations. Verified 2026-05-09.
Top Restaurants & Food Service class codes in Indiana
The class codes most likely to apply to a Restaurants & Food Service operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 9082 | Restaurant, fast food | $0.770 | HIGH |
| 9044 | Restaurant Operations | $0.840 | HIGH |
Indiana compliance for Restaurants & Food Service employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Restaurants & Food Service
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Restaurants & Food Service payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Restaurants & Food Service cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Restaurants & Food Service premium in Indiana
Pre-filled to Restaurants & Food Service and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Restaurants & Food Service in Indiana
$3,850to$4,200
Median: $4,025 · Rate range $0.770 to $0.840 per $100 payroll
Industry median across all states
$4,050
Cheapest states for Restaurants & Food Service
- Tennessee $0.360
- Kentucky $0.410
- Maryland $0.430
Most expensive
- New Jersey $2.94
- California $2.59
- New York $2.13
Estimate based on 21 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Restaurants & Food Service businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Restaurants & Food Service operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Restaurants & Food Service businesses typically use codes like 9082, 9044, 9078. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 9082 at $0.770 and the most expensive is 9044 at $0.840.
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Step 3, Get a quote
Private carriers write Restaurants & Food Service coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Restaurants & Food Service operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Restaurants & Food Service class allocation can shift if any worker spends more than 50% of time on a different code.
Restaurants & Food Service workers comp FAQs in Indiana
What is the typical workers comp rate for Restaurants & Food Service in Indiana?
Restaurants & Food Service employers in Indiana pay a median rate of $0.805 per $100 of payroll, with rates ranging from $0.770 to $0.840 depending on the specific class code. The national median across all states for Restaurants & Food Service is $0.810, so Indiana sits about 1% below the national average.
How many Restaurants & Food Service class codes are filed in Indiana?
Indiana has 2 unique NCCI class codes filed for Restaurants & Food Service occupations, drawn from 2 state-class code rate cells in our dataset. The most common codes include 9082 (Restaurant, fast food), 9044 (Restaurant Operations), 9078 (Restaurant, Fast Food).
Are Restaurants & Food Service 1099 contractors covered by workers comp in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Restaurants & Food Service worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Restaurants & Food Service workers are subject to the same statutory cap as workers in any other industry.
How long does a Restaurants & Food Service worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Restaurants & Food Service workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Restaurants & Food Service business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Restaurants & Food Service owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.