Workers' Compensation Program

Workers' compensation insurance program documentation covering the elevated injury risks of food truck operations — burns, slips, propane incidents, and heat-related illness.

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What this document covers

Workers' compensation insurance is mandatory in 49 states (Texas is the only exception, and even there it is strongly recommended). Food trucks carry higher workers' comp classification rates than standard restaurants due to concentrated hazards: cooking burns in confined spaces, slip injuries on truck surfaces, propane-related incidents, generator-related injuries, heat illness during outdoor events, and repetitive motion from working in cramped quarters. This program documents your workers' comp coverage, injury reporting procedures, return-to-work policies, and claim management — all tailored to the specific injury patterns of mobile food service.

Key sections included

Workers' compensation insurance coverage details
Injury reporting procedures (on-truck and at events)
First aid and emergency response on mobile units
Claim filing process and timelines
Return-to-work and light duty program
Common food truck injuries and prevention
Record-keeping and OSHA 300 log requirements
Anti-retaliation policy for reporting injuries

Frequently asked questions

Do I need workers' comp if I only have one employee?

In most states, yes. Threshold requirements vary — some states require coverage with even one employee (California, New York), others exempt businesses with fewer than 3-5 employees. Check your state's specific requirements.

What workers' comp class code applies to food trucks?

Food trucks typically fall under NCCI class code 9082 (Restaurant) or 9083 (Fast Food). Some states use a specific mobile vendor code. Your insurance agent should assign the code that reflects your actual operations.

Are injuries at events covered differently?

Your workers' comp covers employees regardless of location — at the commissary, on the truck, at events, or traveling between locations. Make sure your policy covers all states where you operate, especially for multi-state festival circuits.

Document details

Legal basis: State workers' compensation statutes (required in 49 states); OSH Act Section 5(a)(1); various state insurance codes
Enforced by: State workers' compensation boards/commissions; state departments of insurance
Penalty for absence: Penalties vary by state but are severe. California: misdemeanor with fines up to $10,000 and/or 1 year imprisonment plus $100,000 penalty. New York: felony with fines of $5,000–$50,000. Most states can issue stop-work orders shutting down operations immediately.
Category: Insurance & Liability

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