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Workers’ comp insurance cost for restaurants in New Jersey
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 39% of NJ full-service restaurants have <5 employees — the chart below prices every size band from its own observed payroll.
- New Jersey sits 3rd of 51: CA pays more ($3.11), RI less ($1.45).
- Workers’ comp is one of several coverages — see everything your restaurant needs in New Jersey →
What do New Jersey full-service restaurants pay for workers’ comp?
Modeled annual premium across the real size distribution of NJ full-service restaurants
bar height = how many full-service restaurants are that size · figures = modeled annual cost
Cohort: size distribution of 8,060 NJ full-service restaurants (Census CBP 2023); premiums modeled from one filed rate ($2.54/$100 payroll, 2024). Bands shown cover 8,059 of 8,060 establishments (100.0%) — 1 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.
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 New Jersey 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 |
|---|---|---|
| 1 | California | $3.11 |
| 2 | Hawaii | $2.79 |
| 3 | New Jersey | $2.54 |
| 4 | New York | $1.81 |
| 5 | Wyoming | $1.48 |
| 6 | Wisconsin | $1.46 |
| 7 | Maine | $1.46 |
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 New Jersey?
Modeled from the 2024 filed manual rate of $2.54 per $100 of payroll: a <5-employee restaurant lands around $1.4k–$5.4k 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: Hawaii ($2.79) · New York ($1.81) · California ($3.11) · Wisconsin ($1.46)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 8,060 New Jersey full-service restaurants; your premium depends on your payroll, claims history, and carrier.