Workers’ comp insurance cost for restaurants in Alabama

Q: What does workers' comp cost full-service restaurants in Alabama?

Modeled from the 2024 filed manual rate of $1.41 per $100 of payroll: a 20–49-employee restaurant lands around $6.2k–$15k 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. Full-service restaurants fall under NCCI class 9082 (Restaurant NOC) — table-service establishments; fast food (class 9083) and bars (9084) are rated separately.

Published 2026-06-05 · Updated 2026-06-11 · by Brokly

Direct answer: Alabama full-service restaurants pay a filed workers’-comp manual rate of $1.41 per $100 of payroll (2024 filed rate) — the 12th-highest of 51 US jurisdictions. Modeled on real payrolls, most 20–49-employee full-service restaurants land around $6.2k–$15k/yr, before experience mods and schedule credits.

27% of AL full-service restaurants have 20–49 employees — the chart below prices every size band from its own observed payroll.
Alabama sits 12th of 51: ME pays more ($1.46), PA less ($1.30).
Workers’ comp is one of several coverages — see everything your restaurant needs in Alabama →

What do Alabama full-service restaurants pay for workers’ comp?

Modeled annual premium across the real size distribution of AL full-service restaurants

bar height = how many full-service restaurants are that size · figures = modeled annual cost

typical · most AL full-service restaurants

▼

<5 emp

≈$1.3k/yr

5–9 emp

≈$2.2k/yr

10–19 emp

≈$4.7k/yr

20–49 emp

≈$9.6k/yr

50–99 emp

≈$22k/yr

100–249 emp

≈$40k/yr

SMALLER

MID-SIZE

LARGER

A 20–49-employee AL restaurant: modeled $6.2k–$15k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 2,771 AL full-service restaurants fall in each size band.

Cohort: size distribution of 2,771 AL full-service restaurants (Census CBP 2023); premiums modeled from one filed rate ($1.41/$100 payroll, 2024). Bands shown cover 2,771 of 2,771 establishments (100.0%). 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (AL)

$1.41 / $100 payroll

as of 2024

Typical 20–49-employee restaurant (27% of AL)

$6.2k–$15k / 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 (Full-service restaurants (NAICS 722511)) (as of 2023, retrieved 2026-06-05)

How does Alabama compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 9082 (Restaurant NOC), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
8	Rhode Island	$1.45
9	Georgia	$1.44
10	Missouri	$1.43
11	Alaska	$1.41
12	Alabama	$1.41
13	Vermont	$1.38
14	Oklahoma	$1.36
15	New Hampshire	$1.36
16	Idaho	$1.30

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 full-service restaurants in Alabama?

Modeled from the 2024 filed manual rate of $1.41 per $100 of payroll: a 20–49-employee restaurant lands around $6.2k–$15k 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. Full-service restaurants fall under NCCI class 9082 (Restaurant NOC) — table-service establishments; fast food (class 9083) and bars (9084) are rated separately.

Restaurants in nearby-ranked states: Vermont ($1.38) · Missouri ($1.43) · Oklahoma ($1.36) · Georgia ($1.44)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,771 Alabama full-service restaurants; your premium depends on your payroll, claims history, and carrier.