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WCIRB Restaurant Class Code Webinar First of Its Kind


Deep DIVE WCIRB Restaurant Class Code Webinar – Great Data Supply

Hot Off The Presses – the WCIRB restaurant class code webinar just finished a few minutes ago.  I apologize upfront for any typos as I am doing this live.

Slide on WCIRB Restaurant Class Code Webinar

First-Ever WCIRB Class Code – Restaurants

Why did WCIRB decide to start with Restaurants?  –

  • The restaurant class code is a very popular class code in CA
  • Pandemic heavily affected the code

The two main Restaurant Class Codes are:

  • 9079 Restaurants
  • 8078 Fast Food and others
  • There are variations under these two codes

Restaurants are not classified under hotels if one is in a hotel.

  • 9% of all policies in California are Restaurants
  • Not geographically specific as some Class Codes

9079 Class Code always had higher rates than 8078 due to severity and frequency

Restaurant/Fast Food Class Codes have 300% more claims than average California state Class Code . This figure is very believable .  Working with restaurant chains over the years, one can see the higher number of accidents than most class codes.

9079 Class Code has twice the number of claims than the 8078 Class Code 

Cut or Burn injuries have the most severity when compared to other industries

Claim Frequencies between 9079 and 8078 are similar.  >>I had thought Fast Food restaurants would be higher – not so.

Bars and Taverns have a lower claim frequency than other food establishments

24-hour restaurants with counter services have much higher claim frequency

COVID-19 had a major impact on restaurants

  • Higher wages due to labor shortage
  • Higher frequency possible due to inexperienced new hires
  • The rapid evolution of how restaurants operate in CA such as “no touch” services

The WCIRB Restaurant Class Code Webinar was a good information source for anyone that has anything to do with restaurants and fast food establishments.  I will update and clean this up later this week.

The conclusion slide is below:

WCIRB Class Code Webinar conclusion slide

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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