Workers’ comp insurance cost for bars in Texas

Q: What does workers' comp cost bars and taverns in Texas?

Modeled from the 2024 filed manual rate of $0.81 per $100 of payroll: a <5-employee bar lands around $360–$1.5k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Bars and taverns fall under NCCI class 9084 (Bar, Lounge, Tavern) — establishments serving alcoholic beverages for on-premises consumption; restaurants (classes 9082 and 9083) are rated separately.

Q: Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

Published 2026-06-11 · by Brokly

Direct answer: Texas bars and taverns pay a filed workers’-comp manual rate of $0.81 per $100 of payroll (2024 filed rate) — the 40th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee bars and taverns land around $360–$1.5k/yr, before experience mods and schedule credits.

31% of TX bars and taverns have <5 employees — the chart below prices every size band from its own observed payroll.
Texas sits 40th of 51: AZ pays more ($0.88), TN less ($0.72).
Workers’ comp is one of several coverages — see everything your bar needs in Texas →

What do Texas bars and taverns pay for workers’ comp?

Modeled annual premium across the real size distribution of TX bars and taverns

bar height = how many bars and taverns are that size · figures = modeled annual cost

typical · most TX bars and taverns

▼

<5 emp

≈$600/yr

5–9 emp

≈$1.2k/yr

10–19 emp

≈$2.7k/yr

20–49 emp

≈$5.6k/yr

50–99 emp

≈$12k/yr

100–249 emp

≈$22k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee TX bar: modeled $360–$1.5k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 2,996 TX bars and taverns fall in each size band.

Cohort: size distribution of 2,996 TX bars and taverns (Census CBP 2023); premiums modeled from one filed rate ($0.81/$100 payroll, 2024). Bands shown cover 2,996 of 2,996 establishments (100.0%). 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (TX)

$0.81 / $100 payroll

as of 2024

Typical <5-employee bar (31% of TX)

$360–$1.5k / yr modeled

as of 2024 · CBP 2023

Carrier multipliers (TX filings)

0.09×–5.93× 300+ filings, special programs incl.

as of 2026-05-28

Schedule credits / debits

±40% most carriers

as of 2026-05-28

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Drinking places, alcoholic beverages (NAICS 722410)) (as of 2023, retrieved 2026-06-05) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)

How does Texas compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 9084 (Bar, Lounge, Tavern), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
36	Kansas	$0.87
37	Michigan	$0.87
38	Maryland	$0.85
39	Delaware	$0.85
40	Texas	$0.81
41	Massachusetts	$0.81
42	Indiana	$0.76
43	Utah	$0.75
44	District of Columbia	$0.74

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost bars and taverns in Texas?

Modeled from the 2024 filed manual rate of $0.81 per $100 of payroll: a <5-employee bar lands around $360–$1.5k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Bars and taverns fall under NCCI class 9084 (Bar, Lounge, Tavern) — establishments serving alcoholic beverages for on-premises consumption; restaurants (classes 9082 and 9083) are rated separately.

Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

Bars in nearby-ranked states: Massachusetts ($0.81) · Maryland ($0.85) · Michigan ($0.87) · Kansas ($0.87)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,996 Texas bars and taverns; your premium depends on your payroll, claims history, and carrier.