Workers' comp class code · Food & Hospitality
Class code 2003 — Bakery
Baking and retail sale of bread, pastries, and related goods.
This classification covers bakeries that produce bread, pastries, cakes, and related goods for retail sale, whether through a walk-in storefront, wholesale accounts, or both. It reflects a blend of light manufacturing and retail sales work under one roof.
Payroll typically includes bakers and pastry chefs, decorators, retail counter staff, and delivery personnel for wholesale accounts. Production areas usually run early hours and involve mixers, ovens, and proofing equipment, while the retail counter handles a separate set of customer-facing duties.
Injury exposure centers on burns from ovens, cuts from slicers and dough cutters, and repetitive strain from mixing, kneading, and decorating over long shifts. Retail staff face more typical slip-and-fall and lifting risks, while production staff carry most of the heat- and blade-related exposure.
What code 2003 typically includes
- Bakers, pastry chefs, and cake decorators
- Retail counter and sales staff
- Production assistants handling mixing and proofing
- Wholesale delivery drivers
- Cleaning and equipment sanitation staff
Codes this one gets confused with
9079 — Restaurant — Full Service
Bakeries focused on baked goods for takeaway differ from restaurants that offer seated dining and a broader hot-food menu.
See code 90799016 — Caterer
A bakery that regularly supplies large event orders with delivery and setup may need part of its operation classified as catering.
See code 9016What this code means for your premium
Bakeries typically fall in the moderate range for workers' comp, with production-side burn and repetitive-strain exposure driving most of the rating.
Estimate your premiumClassification is not final until a carrier assigns it. Code numbers, wording and exceptions vary by state and rating bureau — several states run their own bureaus. This page is general reference written in our own words; your carrier's underwriter assigns the code based on your actual operations and payroll records.
Questions about code 2003
Ready to see your options?
One application. Up to 10 competing quotes. Answer a few questions and we will shop your business to our A-rated carrier network, then a licensed agent walks you through the options.