Buying workers’ compensation for:

Accommodation and Food Services

Accommodation and Food Services

What to Know

  • Accommodation and Food Services is a mid- to high-risk industry because many service jobs involve activity and movement, and in some cases exposure to hazards.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Potential Hazards

  • Some jobs in this industry can be very physically demanding, involving heavy lifting or pulling and putting workers at higher risk for sprains, strains and repetitive stress injuries.
  • Exposure to harsh chemicals in cleaning products can cause tissue or respiratory damage.
  • Food service jobs also face sharp tools, heavy equipment, hot surfaces, spills and hurried work environments, making burns and slip-and-fall injuries especially prevalent in these workplaces.

Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.