Workers’ comp insurance cost for restaurants in Connecticut

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

Modeled from the 2024 filed manual rate of $1.09 per $100 of payroll: a <5-employee restaurant lands around $670–$2.7k 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: Connecticut full-service restaurants pay a filed workers’-comp manual rate of $1.09 per $100 of payroll (2024 filed rate) — the 28th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee full-service restaurants land around $670–$2.7k/yr, before experience mods and schedule credits.

29% of CT full-service restaurants have <5 employees — the chart below prices every size band from its own observed payroll.
Connecticut sits 28th of 51: WA pays more ($1.17), MS less ($0.99).
Workers’ comp is one of several coverages — see everything your restaurant needs in Connecticut →

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

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

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

typical · most CT full-service restaurants

▼

<5 emp

≈$1.2k/yr

5–9 emp

≈$1.9k/yr

10–19 emp

≈$4.3k/yr

20–49 emp

≈$10k/yr

50–99 emp

≈$22k/yr

100–249 emp

≈$43k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee CT restaurant: modeled $670–$2.7k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 3,484 CT full-service restaurants fall in each size band.

Cohort: size distribution of 3,484 CT full-service restaurants (Census CBP 2023); premiums modeled from one filed rate ($1.09/$100 payroll, 2024). Bands shown cover 3,484 of 3,484 establishments (100.0%). 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (CT)

$1.09 / $100 payroll

as of 2024

Typical <5-employee restaurant (29% of CT)

$670–$2.7k / 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 Connecticut 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
24	Colorado	$1.10
25	Montana	$1.10
26	Delaware	$1.09
27	South Dakota	$1.09
28	Connecticut	$1.09
29	Nebraska	$1.06
30	Kansas	$1.04
31	New Mexico	$1.01
32	Iowa	$0.99

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 Connecticut?

Modeled from the 2024 filed manual rate of $1.09 per $100 of payroll: a <5-employee restaurant lands around $670–$2.7k 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: Nebraska ($1.06) · Delaware ($1.09) · Kansas ($1.04) · Montana ($1.10)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 3,484 Connecticut full-service restaurants; your premium depends on your payroll, claims history, and carrier.