Workers’ comp insurance cost for restaurants in District of Columbia

Q: What does workers' comp cost full-service restaurants in District of Columbia?

Modeled from the 2024 filed manual rate of $0.74 per $100 of payroll: a 20–49-employee restaurant lands around $5.2k–$13k 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: District of Columbia full-service restaurants pay a filed workers’-comp manual rate of $0.74 per $100 of payroll (2024 filed rate) — the 42nd-highest of 51 US jurisdictions. Modeled on real payrolls, most 20–49-employee full-service restaurants land around $5.2k–$13k/yr, before experience mods and schedule credits.

31% of DC full-service restaurants have 20–49 employees — the chart below prices every size band from its own observed payroll.
District of Columbia sits 42nd of 51: MI pays more ($0.82), TN less ($0.65).
Workers’ comp is one of several coverages — see everything your restaurant needs in District of Columbia →

What do District of Columbia full-service restaurants pay for workers’ comp?

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

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

typical · most DC full-service restaurants

▼

<5 emp

≈$1.8k/yr

5–9 emp

≈$1.8k/yr

10–19 emp

≈$3.6k/yr

20–49 emp

≈$8.4k/yr

50–99 emp

≈$19k/yr

100–249 emp

≈$41k/yr

SMALLER

MID-SIZE

LARGER

A 20–49-employee DC restaurant: modeled $5.2k–$13k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 974 DC full-service restaurants fall in each size band.

Cohort: size distribution of 974 DC full-service restaurants (Census CBP 2023); premiums modeled from one filed rate ($0.74/$100 payroll, 2024). Bands shown cover 970 of 974 establishments (99.6%) — 4 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 (DC)

$0.74 / $100 payroll

as of 2024

Typical 20–49-employee restaurant (31% of DC)

$5.2k–$13k / 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 District of Columbia 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
38	Texas	$0.81
39	Massachusetts	$0.81
40	Indiana	$0.78
41	Arizona	$0.74
42	District of Columbia	$0.74
43	Utah	$0.72
44	Maryland	$0.70
45	Kentucky	$0.69
46	North Dakota	$0.68

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 District of Columbia?

Modeled from the 2024 filed manual rate of $0.74 per $100 of payroll: a 20–49-employee restaurant lands around $5.2k–$13k 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: Arizona ($0.74) · Utah ($0.72) · Indiana ($0.78) · Maryland ($0.70)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 974 District of Columbia full-service restaurants; your premium depends on your payroll, claims history, and carrier.