Workers' Compensation for the Hospitality Industry

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Protect your people and your business—coverage built for restaurants, hotels, bars, catering, and event venues.

Competitive workers’ comp quotes for restaurants, hotels, bars, breweries, caterers, country clubs, and event venues—covering both front-of-house and back-of-house, plus housekeeping, maintenance, and valet teams.

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Why Hospitality Businesses Need Specialized Workers’ Compensation Insurance

Hospitality operations face fast-paced, high-contact risks every day—slips and falls, cuts and burns, lifting and strain injuries, chemical exposure, housekeeping ergonomics, and driving/valet incidents. Whether you run a neighborhood cafe, a boutique hotel, a brewery with a kitchen, or a multi-location franchise, workers’ comp helps protect employees and your business from medical costs, lost wages, and employer liability associated with workplace injuries.

  • Workers’ comp quotes for restaurants, hotels, bars, breweries, caterers, country clubs, and venues

  • Covers typical hospitality roles: servers, bartenders, cooks, dishwashers, housekeepers, front desk, maintenance, valet, delivery

  • Proof of coverage for state compliance, landlords, franchise systems, vendor and event contracts

  • Solutions for single-location, multi-location, and multi-state operations

  • Pay-as-you-go programs that align with payroll and seasonal staffing

  • Fast certificates of insurance for landlords, events, and vendor onboarding

    Hospitality Segments We Insure

    • Restaurants & Cafes (dine-in, quick service, coffee shops, food trucks)
    • Bars, Breweries, Wineries & Nightclubs
    • Hotels, Motels, Inns, Resorts & Boutique Properties
    • Caterers, Banquet Halls, Event & Wedding Venues, Country Clubs
    • Casinos, Entertainment & Recreation Venues
    • Spas, Wellness Centers, Golf & Recreation Facilities
    • Hospitality Staffing & Temporary Labor

    Get a Workers’ Comp Quote for Your Hospitality Business in 3 Simple Steps

    • 1. Tell Us About Your Operation Share your locations, payroll by role, number of employees, and prior coverage.50%
    • 2. Compare Real Workers’ Comp Quotes Review competitive rates from top program experienced with hospitality risks. 75%
    • Bind Coverage & receive your policy and receive immediate certificates for landlords, franchises, vendors, and events100%
    Illustration showing three steps in the hospitality work comp process: filling a form, a video call, and a digital proof of insurance.
    Woman smiling while holding a stack of cash with a call to action for a workers compensation quote.
    Two men discussing an insurance quote displayed on a tablet in a hospitality environment.

    Why Hospitality Companies Trust the WorkComp Options Program

    • Hospitality Insurance Focus: Decades of experience with restaurant, lodging, bar, catering, and venue exposures
    • True Quote Comparison: Multiple programs, one application—new ventures welcome
    • Pay-As-You-Go Billing: Improve cash flow and reduce audit surprises with payroll integrations
    • Claims Advocacy & Return-to-Work: Report fast, coordinate light duty, and reduce downtime • Multi-State Expertise: Support for nationwide programs and monopolistic state guidance (ND, OH, WA, WY)
    • Fast Certificates: Quick COIs for landlords, franchise requirements, and event organizers

    Marcus T.

    Restaurant Owner

    Easy quotes for my restaurant group and a fast turnaround—loved the service.

    Angelica V.

    Hotel Franchisee

    I needed a workers comp certificate to keep my franchise in compliance—done in less than a day!
    Group of four chefs in white uniforms celebrating in a kitchen with smiles and raised hands.

    Hospitality Workers’ Comp Resources & FAQ

    1Which hospitality segments qualify for workers’ comp with your agency?
    Most restaurants, bars, hotels, caterers, and venues—plus related service and staffing firms—are eligible, subject to underwriting.
    2Is workers’ comp required for part-time and seasonal staff?
    In most states, yes—coverage is typically required for W-2 employees regardless of hours. Rules vary by state.
    3Do you work with new restaurants, bars, and hotels?
    Yes. We help startups and established groups secure coverage, including pay-as-you-go options.
    4Will I get a certificate for landlords, franchises, and event contracts?
    Yes. You’ll receive instant certificates after binding, with endorsements available as required.
    Ready to protect your team and your bottom line? Get a hospitality workers’ comp quote today.
    • Call: 678-810-0181
    • Email: admin@workcompoptions.com
    • Start online: https://workcompoptions.com/request-quote/



    Disclaimer Workers’ compensation quotes for restaurants, bars, hotels, motels, inns, resorts, caterers, event venues, breweries, wineries, nightclubs, country clubs, casinos, spas, wellness centers, and hospitality staffing firms. National coverage; not available in all states. In monopolistic states (ND, OH, WA, WY), coverage is purchased through state funds; stop-gap employer’s liability may be available. In some states, only alternative programs are available. Coverage subject to underwriting. This is a general description, not a policy or legal advice.

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