5 Ways to Ensure Workers Compensation Works Hard for Your Restaurant
Written By: Society Insurance

1. Pay Attention to Policy Details & Premiums

It’s important to understand workers compensation policy details for a multitude of reasons. At the top of that list are controlling costs and ensuring that your business has adequate protection and coverage. Policy premiums are calculated by referencing the class codes and payrolls  for each job type within your business.  Class code rates are different for various job types, these rates will generally be higher for more hazardous job types.  


Here are a few factors that are considered when determining your workers comp insurance costs:

  • Type of business
  • Number of employees
  • Employee compensation
  • History of workplace injuries

Read, ‘Insurance Cost: Calculating Workers Compensation Premium.’

2. Ensure that Workers are Properly Classified

It is a requirement for employers to provide workers compensation insurance to full time employees but not independent contractors. Usually it’s very clear-cut to figure out how to classify an employee vs. independent contractor but occasionally in the restaurant or bar industry it can be more difficult to figure out. Combine this with the fact that ​​each state’s Department of Labor has different conditions that determine an independent contractor.

Reach out to your local Society Insurance agent for help with employee classification. Our team of experts are ready to help!

3. Implement a Safety Plan to Mitigate Risk

The best workplaces rarely need to worry about  workers compensation because they have thorough and well-planned safety policies in place reducing risk of injury to workers. Safety plans go beyond protecting employees and also ensure that customers have a positive and safe experience at your business. Ongoing reminders and refresher training sessions are important to increase employee adherence to safety policies.

4. Follow Up Incidents with Thorough Investigations

If an injury or workplace incident occurs, it’s important to immediately follow up with a thorough workplace investigation. The purpose of this is to discover what happened in order to prevent it from happening again, not to point fingers at those who made a mistake. It’s a best practice to start investigations immediately or within 24 hours of the incident occurring to ensure accurate information is gathered. 

Read, ‘Case Study: Workers Compensation and Subrogation – Recovering Money and Lowering Insurance Premiums.’ 

5. Begin the Claims Reporting Process Quickly

If an incident occurs at your business, it’s important to start the process of filing a claim  immediately. By doing so, your claims representative can contact the employee quickly and help them start the healing process so they can return to work  quicker. A rule of thumb is that the longer a person misses work, the harder it is to get them to come back.

Download a free copy of your “Workers Compensation Return to Work Program Handbook.”

Learn more about submitting a claim with Society Insurance.

Society Insurance: Workers Compensation Insurance Made for Your Business

Whether it’s sending a claims professional to investigate an accident, locating the nearest repair shop or using one of our many cost containment programs, Society helps take care of the details so you can get back to business.

To find out how Society can help your business, contact your local Society agent or check out our workers compensation blog  archives for additional safety tips and information.

Latest Articles

Why Periodic Roof Inspections Are Essential

When thinking of how to keep your business running smoothly, the outside of your business matters...

Three Tips for Engaging Remote Employees

Remote work has become increasingly popular over the last decade as more people look for work-life...

HOW TO REJECT CANDIDATES WITHOUT BURNING BRIDGES AFTER A JOB INTERVIEW

The landscape of human resources is changing rapidly. With the explosion of social media and sites...

6 Ways to Find Exceptional Job Candidates

Recruiting new employees is one of the most important responsibilities of any business. A skilled...

What Is a Declarations Page and Why Do I Need One? | Society

Declaration pages are one of the most vital parts of any insurance policy. Also called a dec page...

How To Nail Your Home Office Ergonomics

There has been a steady rise in remote and home-office work. This has led to companies and...

Top Questions Job Candidates Ask at the End of An Interview

When you’re getting ready to interview potential job candidates, you’ll likely spend some time...

Five Ways to Kickstart Employee Mental Health Programs

As the modern workplace continues to evolve, many companies are beginning to see the importance of...

Avoiding Copyright Claims & Mitigating Cyber Liabilities

Intellectual property is a tricky concept, particularly when it comes to the internet. While...

Stay up to date with industry updates by subscribing to the Society Insurance blog!