Workers’ comp insurance cost for fast food in Vermont

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

Modeled from the 2024 filed manual rate of $1.63 per $100 of payroll: a <5-employee fast-food restaurant lands around $580–$2.3k 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: Vermont fast-food restaurants pay a filed workers’-comp manual rate of $1.63 per $100 of payroll (2024 filed rate) — the 6th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee fast-food restaurants land around $580–$2.3k/yr, before experience mods and schedule credits.

32% of VT fast-food restaurants have <5 employees — the chart below prices every size band from its own observed payroll.
Vermont sits 6th of 51: CA pays more ($3.11), ME less ($1.38).
Workers’ comp is one of several coverages — see everything your fast-food restaurant needs in Vermont →

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

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

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

typical · most VT fast-food restaurants

▼

<5 emp

≈$1k/yr

5–9 emp

≈$2.9k/yr

10–19 emp

≈$5.4k/yr

20–49 emp

≈$12k/yr

50–99 emp

≈$19k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee VT fast-food restaurant: modeled $580–$2.3k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 435 VT fast-food restaurants fall in each size band.

Cohort: size distribution of 435 VT fast-food restaurants (Census CBP 2023); premiums modeled from one filed rate ($1.63/$100 payroll, 2024). Bands shown cover 435 of 435 establishments (100.0%). 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (VT)

$1.63 / $100 payroll

as of 2024

Typical <5-employee fast-food restaurant (32% of VT)

$580–$2.3k / 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 Vermont 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
2	Hawaii	$2.64
3	New Jersey	$2.54
4	New York	$1.87
5	Rhode Island	$1.68
6	Vermont	$1.63
7	Wyoming	$1.48
8	Oklahoma	$1.42
9	Georgia	$1.38
10	Louisiana	$1.38

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 Vermont?

Modeled from the 2024 filed manual rate of $1.63 per $100 of payroll: a <5-employee fast-food restaurant lands around $580–$2.3k 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: New York ($1.87) · Oklahoma ($1.42) · Georgia ($1.38) · New Jersey ($2.54)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 435 Vermont fast-food restaurants; your premium depends on your payroll, claims history, and carrier.