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Workers’ comp insurance cost for fast food in Kentucky
Published 2026-06-11 · by Brokly
- 38% of KY fast-food restaurants have 20–49 employees — the chart below prices every size band from its own observed payroll.
- Kentucky sits 48th of 51: TN pays more ($0.71).
- Workers’ comp is one of several coverages — see everything your fast-food restaurant needs in Kentucky →
What do Kentucky fast-food restaurants pay for workers’ comp?
Modeled annual premium across the real size distribution of KY fast-food restaurants
bar height = how many fast-food restaurants are that size · figures = modeled annual cost
Cohort: size distribution of 3,499 KY fast-food restaurants (Census CBP 2023); premiums modeled from one filed rate ($0.64/$100 payroll, 2024). Bands shown cover 2,979 of 3,499 establishments (85.1%) — 520 establishments in larger, very small-count, or data-suppressed size bands are not shown. 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 Kentucky 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 |
|---|---|---|
| 44 | North Dakota | $0.68 |
| 45 | Utah | $0.66 |
| 46 | Nevada | $0.65 |
| 47 | Maryland | $0.64 |
| 48 | Kentucky | $0.64 |
| 49 | Arizona | $0.61 |
| 50 | Arkansas | $0.46 |
| 51 | West Virginia | $0.42 |
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 Kentucky?
Modeled from the 2024 filed manual rate of $0.64 per $100 of payroll: a 20–49-employee fast-food restaurant lands around $2.2k–$5.5k 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. 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: Arizona ($0.61) · Arkansas ($0.46) · Nevada ($0.65) · Utah ($0.66)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 3,499 Kentucky fast-food restaurants; your premium depends on your payroll, claims history, and carrier.