Workers’ comp insurance cost for fast food in Oregon

Published 2026-06-11 · by Brokly

Direct answer: Oregon fast-food restaurants pay a filed workers’-comp manual rate of $0.92 per $100 of payroll (2024 filed rate) — the 32nd-highest of 51 US jurisdictions. Modeled on real payrolls, most 20–49-employee fast-food restaurants land around $4.2k–$10k/yr, before experience mods and schedule credits.

30% of OR fast-food restaurants have 20–49 employees — the chart below prices every size band from its own observed payroll.
Oregon sits 32nd of 51: IL pays more ($1.08), TX less ($0.81).
Workers’ comp is one of several coverages — see everything your fast-food restaurant needs in Oregon →

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

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

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

typical · most OR fast-food restaurants

▼

5–9 emp

≈$1.6k/yr

10–19 emp

≈$3.3k/yr

20–49 emp

≈$6.2k/yr

50–99 emp

≈$12k/yr

100–249 emp

≈$29k/yr

SMALLER

MID-SIZE

LARGER

A 20–49-employee OR fast-food restaurant: modeled $4.2k–$10k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 3,396 OR fast-food restaurants fall in each size band.

Cohort: size distribution of 3,396 OR fast-food restaurants (Census CBP 2023); premiums modeled from one filed rate ($0.92/$100 payroll, 2024). Bands shown cover 2,650 of 3,396 establishments (78.0%) — 746 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 (OR)

$0.92 / $100 payroll

as of 2024

Typical 20–49-employee fast-food restaurant (30% of OR)

$4.2k–$10k / 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 Oregon 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
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
36	New Mexico	$0.84

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 Oregon?

Modeled from the 2024 filed manual rate of $0.92 per $100 of payroll: a 20–49-employee fast-food restaurant lands around $4.2k–$10k 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: Idaho ($0.97) · Mississippi ($0.91) · Kansas ($0.90) · South Dakota ($0.99)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 3,396 Oregon fast-food restaurants; your premium depends on your payroll, claims history, and carrier.