Workers’ comp insurance cost for fast food in Maine

Q: What does workers' comp cost fast-food restaurants in Maine?

Modeled from the 2024 filed manual rate of $1.38 per $100 of payroll: a <5-employee fast-food restaurant lands around $950–$3.8k 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. Fast-food restaurants fall under NCCI class 9083 (Restaurant: Fast Food); full-service restaurants (class 9082) and bars (9084) are rated separately.

Published 2026-06-11 · by Brokly

Direct answer: Maine fast-food restaurants pay a filed workers’-comp manual rate of $1.38 per $100 of payroll (2024 filed rate) — the 11th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee fast-food restaurants land around $950–$3.8k/yr, before experience mods and schedule credits.

36% of ME fast-food restaurants have <5 employees — the chart below prices every size band from its own observed payroll.
Maine sits 11th of 51: VT pays more ($1.63), FL less ($1.24).
Workers’ comp is one of several coverages — see everything your fast-food restaurant needs in Maine →

What do Maine fast-food restaurants pay for workers’ comp?

Modeled annual premium across the real size distribution of ME fast-food restaurants

bar height = how many fast-food restaurants are that size · figures = modeled annual cost

typical · most ME fast-food restaurants

▼

<5 emp

≈$1.3k/yr

5–9 emp

≈$2.4k/yr

10–19 emp

≈$4.9k/yr

20–49 emp

≈$9.3k/yr

50–99 emp

≈$19k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee ME fast-food restaurant: modeled $950–$3.8k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 1,016 ME fast-food restaurants fall in each size band.

Cohort: size distribution of 1,016 ME fast-food restaurants (Census CBP 2023); premiums modeled from one filed rate ($1.38/$100 payroll, 2024). Bands shown cover 1,015 of 1,016 establishments (99.9%) — 1 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.

Filed manual rate (ME)

$1.38 / $100 payroll

as of 2024

Typical <5-employee fast-food restaurant (36% of ME)

$950–$3.8k / yr modeled

as of 2024 · CBP 2023

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 Maine 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
7	Wyoming	$1.48
8	Oklahoma	$1.42
9	Georgia	$1.38
10	Louisiana	$1.38
11	Maine	$1.38
12	New Hampshire	$1.29
13	Wisconsin	$1.26
14	Pennsylvania	$1.25
15	Missouri	$1.24

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 Maine?

Modeled from the 2024 filed manual rate of $1.38 per $100 of payroll: a <5-employee fast-food restaurant lands around $950–$3.8k 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: Louisiana ($1.38) · New Hampshire ($1.29) · Georgia ($1.38) · Wisconsin ($1.26)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,016 Maine fast-food restaurants; your premium depends on your payroll, claims history, and carrier.