Food Services

Claims Navigation in Today’s Economic & Legislative Climate    

             Restaurants, Commissary, Hotel, Sandwich Shop, Grocery Store, Bakery, Food Product MFG, Food Product Processing

Unique Expertise

SmartComp’s team is experienced in providing claims management services to a wide range of Food Services.  We have the capability and expertise required to handle the most complex injuries and have been involved in the Food Services industry for over 20 years.

 

Focused On Results

SmartComp has a dedicated claims team that partners with our clients in the day to day management of the claims process. Being On-Site, On-Time and On-Target we provide an alternative to the high cost of claims associated with the Food Services Industry.

 

On-Site Claims Navigation

Whether you’re a Restaurants, Commissary, Hotel, Sandwich Shop, Grocery Store, Bakery,  or Food Product MFG SmartComp’s team of on-site claims management specialist are available to strategically navigate you and your injured worker through the Workers’ Compensation system.

 

Class Codes - Included by not limited to:

 

9079(1) - RESTAURANTS OR TAVERNS — all employees — including musicians and entertainers

This classification shall not be used for division of payroll in connection with any other classification (other than the Standard Exceptions or General Exclusions) unless the operations described by Classification 9079(1) constitute a separate and distinct enterprise having no connection with the operations covered by any other applicable classification.

This classification contemplates the preparation and serving of hot and cold food items for consumption on or away from the premises or the preparation, pouring and serving of alcoholic beverages for consumption on the premises. This classification also applies to the operation of mobile food trucks wherein hot food is prepared for sale to customers.

Hot foods items are foods that are cooked to order for customers and served hot. Foods that are prepared and served from a warming tray or similar device are also considered hot foods.

Pure Premium Rate:  2015 (5.42), 2014 (5.04), 2013 (4.29), 2011 (2.69)

Expected Loss Rate: 2015        (), 2014 (1.89), 2013 (1.73), 2011 (1.41)

 

9050(1) - HOTELS — all employees other than employees exclusively engaged in restaurant or tavern operations When lodging is provided by the employer, the total remuneration shall include the market value of such lodging to the employee.

 

This classification includes “front desk” employees, including but not limited to, cashiers or information and reservation clerks; employees who perform concierge services; and the operation of retail stores, including but not limited to, newsstands, gift shops and clothing stores.

The payroll of employees engaged exclusively in connection with restaurant or tavern operations shall be separately classified as 9079(1), Restaurants or Taverns. This includes employees who prepare and serve hot food in connection with complimentary breakfasts, work in food and beverage departments, and room service employees who deliver food or restock in-room refrigerators, provided such employees perform no hotel duties. Employees who perform both restaurant or tavern activities and hotel activities shall be assigned to Classification 9050(1).

Pure Premium Rate:  2015 (10.94), 2014 (10.21), 2013 (9.33), 2011 (5.53)

Expected Loss Rate: 2015          (), 2014 (  3.84), 2013 (3.77), 2011 (2.92)

 

8078(1) - SANDWICH SHOPS — not restaurants — N.O.C.

This classification contemplates the preparation, serving and sale of cold food items such as sandwiches, salads, and side dishes that are prepared for consumption by the walk-in trade.

Cold food items are foods that are prepared and served cold or cooked in advance of orders and allowed to cool. This classification contemplates incidental warming of cold food items using microwave ovens, toaster ovens or heat lamps and the preparation of sandwiches with meats that are kept warm in a steam table.

Classification 8078(1) also applies to stores that prepare and sell fresh, unbaked pizzas.

This classification shall apply to each separate location at which the sale of prepared cold food items for consumption on or away from the premises equals or exceeds 50% of the gross receipts.

Sandwich shops that pour and serve alcoholic beverages for consumption on the premises or prepare and serve hot food for consumption on or away from the premises shall be assigned to Classification 9079(1), Restaurants or Taverns.

Pure Premium Rate:  2015 (3.42), 2014 (3.42), 2013 (3.24), 2011 (1.73)

Expected Loss Rate: 2015        (), 2014 (1.28), 2013 (1.30), 2011 (  .91)

 

8006(1) - STORES — groceries and provisions — retail

 

This classification shall apply to stores principally (over 50% of gross receipts) engaged in the sale of grocery items such as, but not limited to, fresh and frozen produce, dairy products, cereals, canned goods, frozen foods, bread, condiments, baking supplies, flour, soft drinks, coffee, tea, delicatessen style meats, salads, and cheeses.

The following departments shall be separately classified:

·       Fresh meat (cutting or wrapping)

·       Bakery

·       Hot food (preparation or serving)

Stores having less than 5,000 square feet devoted to the display and sale of merchandise and open past 11:00 P.M. any night of the week shall be separately classified.

Pure Premium Rate:  2015 (6.94), 2014 (6.76), 2013 (6.00), 2011 (4.37)

Expected Loss Rate: 2015        (), 2014 (2.32), 2013 (2.13), 2011 (2.31)

 

2003 - BAKERIES AND CRACKER MFG.

 

Store operations shall be separately classified.

 

Pure Premium Rate:  2015 (10.03), 2014 (8.97), 2013 (7.63), 2011 (5.27)

Expected Loss Rate: 2015          (), 2014 (3.10), 2013 (2.68), 2011 (2.45)

 

6504 - FOOD PRODUCTS MFG. OR PROCESSING — N.O.C.

Pure Premium Rate:  2015 (10.26), 2014(8.49), 2013(8.17), 2011 (6.14)
Expected Loss Rate: 2015          (), 2014 (3.00), 2013 (2.88), 2011 (2.91)

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