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Workers’ comp insurance cost for fast food in Idaho
Published 2026-06-11 · by Brokly
- 33% of ID fast-food restaurants have 20–49 employees — the chart below prices every size band from its own observed payroll.
- Idaho sits 31st of 51: MT pays more ($1.09), NM less ($0.84).
- Workers’ comp is one of several coverages — see everything your fast-food restaurant needs in Idaho →
What do Idaho fast-food restaurants pay for workers’ comp?
Modeled annual premium across the real size distribution of ID fast-food restaurants
bar height = how many fast-food restaurants are that size · figures = modeled annual cost
Cohort: size distribution of 1,398 ID fast-food restaurants (Census CBP 2023); premiums modeled from one filed rate ($0.97/$100 payroll, 2024). Bands shown cover 1,398 of 1,398 establishments (100.0%). 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
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 (Limited-service restaurants (NAICS 722513)) (as of 2023, retrieved 2026-06-05)
How does Idaho compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 9083 (Restaurant: Fast Food), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 27 | Illinois | $1.08 |
| 28 | Iowa | $1.05 |
| 29 | Alaska | $0.99 |
| 30 | South Dakota | $0.99 |
| 31 | Idaho | $0.97 |
| 32 | Oregon | $0.92 |
| 33 | Mississippi | $0.91 |
| 34 | Kansas | $0.90 |
| 35 | North Carolina | $0.86 |
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 fast-food restaurants in Idaho?
Modeled from the 2024 filed manual rate of $0.97 per $100 of payroll: a 20–49-employee fast-food restaurant lands around $3.4k–$8.4k 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. Fast-food restaurants fall under NCCI class 9083 (Restaurant: Fast Food); full-service restaurants (class 9082) and bars (9084) are rated separately.
Fast food in nearby-ranked states: Oregon ($0.92) · South Dakota ($0.99) · Mississippi ($0.91) · Iowa ($1.05)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,398 Idaho fast-food restaurants; your premium depends on your payroll, claims history, and carrier.