NCCI Class Code 9082 — Workers' Comp Filed Rates by State
Restaurant NOC — Workers' Comp filed loss costs
What state regulators have approved for class 9082, captured from public state-DOI rate filings across 6 state(s).
Workers' Comp premium for NCCI class code 9082 (Restaurant NOC) is priced per $100 of payroll. The chart and table below show the filed loss costs state regulators have approved — the baseline before each carrier's loss-cost multiplier and your experience modifier. These 6 filings span 6 state(s).
| State | Carrier / bureau | Filed loss cost | Effective | Filing ref |
|---|---|---|---|---|
| AL | National Council on Compensation Insurance (NCCI) — AL filing | $0.69 per $100 payroll (advisory loss cost) | 3/2026 | Filing #AL-DOI-LC-2026 |
| CT | National Council on Compensation Insurance (NCCI) — CT filing | $0.67 per $100 payroll (advisory loss cost) | 1/2026 | — |
| IN | Indiana Compensation Rating Bureau (ICRB) | $0.43 per $100 payroll (advisory loss cost) | 1/2025 | Filing #2024-08 |
| MN | Minnesota Workers' Compensation Insurers Association (MWCIA) | $1.46 per $100 payroll (MWCIA pure premium loss cost) | 1/2026 | Filing #MWCIA-MN-2026 |
| MO | National Council on Compensation Insurance (NCCI) — MO filing | $0.86 per $100 payroll (advisory loss cost) | 1/2026 | Filing #NCCI-134646477 |
| WI | Wisconsin Compensation Rating Bureau (WCRB) | $1.20 per $100 payroll (WI administered manual rate) | 10/2025 | Filing #3264 |
| State | Bureau | Advisory loss cost | Basis | Source |
|---|---|---|---|---|
| IN | State rating bureau | 0.398 | Not stated | icrb.net |
| IN | State rating bureau | 0.43 | Not stated | icrb.net |
| NC | State rating bureau | 0.428 | Not stated | ncrb.org |
Why class 9082 loss costs sit where they do
Full-service restaurants price Workers' Comp around a mix of kitchen and dining-room hazards. The most frequent claims are burns and lacerations from ranges, ovens, and knives, slips on wet or greasy floors, and back and shoulder strains from carrying loaded trays and stocking walk-in coolers. Table-service establishments that serve alcohol add assault and liquor-related exposure during evening shifts. Because these injuries are frequent but usually low-to-moderate severity, the full-service restaurant loss cost typically lands in the moderate band.
Filed loss costs by state — class 9082
| State | Filed loss cost / $100 payroll | Effective | Market structure | Filing # |
|---|---|---|---|---|
| Alabama | $0.69 | Mar 2026 | Competitive private | AL-NCCI-2026-03-9082 |
| Connecticut | $0.67 | Jan 2026 | Competitive private | CT-NCCI-2026-01-9082 |
| Indiana | $0.43 | Jan 2025 | Competitive private | IN-ICRB-2025-01-9082 |
| Minnesota | $1.46 | Jan 2026 | Competitive + state fund | MWCIA-MN-2026-9082 |
| Missouri | $0.86 | Jan 2026 | Competitive + state fund | NCCI-134646477-MO-9082 |
| Wisconsin | $1.20 | Oct 2025 | Competitive private | WI-WCRB-2025-10-9082 |
Across the 6 states we track, filed loss costs for class 9082 range from $0.43 in Indiana to $1.46 in Minnesota — about a 3.4× difference. That spread reflects each state's own injury experience and whether it adopts NCCI advisory loss costs or files through an independent rating bureau such as California's WCIRB, New York's NYCIRB, or Pennsylvania's PCRB.
Nationally, Workers' Compensation carriers ran a 45.1% loss ratio, a 12% underwriting profit, and a 13% return on net worth (NAIC 2023) — the line-level economics behind the filed loss costs above. A class's filed loss cost is the regulator-approved starting point; how profitable it is for carriers to write shapes the loss-cost multipliers you actually pay. These figures come from the NAIC Report on Profitability by Line by State.
How your Workers' Comp rate is set
Your NCCI class code classifies the work your employees do by injury risk — it's the single biggest driver of your Workers' Comp base rate. The filed loss cost above is the only public, regulator-approved piece; your actual premium is:
Filed loss cost × carrier LCM × experience modifier × (payroll ÷ $100)
Most states use NCCI's loss-cost guidance; independent-bureau states (e.g., California/WCIRB, New York/NYCIRB, Pennsylvania/PCRB) and monopolistic state funds (e.g., Ohio BWC) file their own — which is why the same class code carries different filed rates by state above.
Methodology
Each loss cost is drawn from a public state-DOI rate filing (via the state's SERFF portal) or a public NCCI State Advisory Forum summary, traceable by its filing reference. Loss costs are per $100 of payroll before the carrier's loss-cost multiplier; your actual rate depends on your carrier's LCM, experience modifier, and state. No proprietary NCCI manual data is reproduced — only figures states have published in public regulatory filings. See our full sourcing policy.
Related
- Workers' Comp insurance cost — median rates, distribution, and a calculator
- NCCI class-code lookup — search every code we track
- Rate-change tracker — recent filed changes by state
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